Planaro in Walperswil BE

Modern flat-roof bungalow with 3 1/2 rooms and a gross floor area of 121 m2.

Total investment capital (rounded):

Planaro house (cave incl.)CHF 381,276
Land in Walperswil (BE) incl. change of ownership costs and connection 1CHF 240,000
Related work 2CHF 75,800
Ancillary building costs 3CHF 47,250
TotalCHF 744,326


Investment capitalCHF 744,326
Equity capital 20%CHF 148,865
Effective mortgageCHF 595,461
1st fixed-rate mortgage 10 years*1.540%CHF 496,218CHF 7,642
2nd fixed-rate mortgage 5 years*1.120%CHF 99,243CHF 1,112
Amortisation of 2nd mortgage**15 years CHF 6,616
Running costs 40.75% CHF 5,582
Total overall cost per year  CHF 20,952
Total interest cost per year  CHF 8,753
Total cost per monthCHF 1,746
Interest cost per monthCHF 729


This example is based on an actual customer project. No responsibility is accepted for the correctness of the information.

*    Source: RAIFFEISEN 15.09.2016
**  Positive effect of amortisation on interest costs is not included here.
1    Connection: All utilities (electricity, water, drains, TV, telephone, etc.) and conduits from the house of the plot border
2    Related work: Seating areas, access, lawns, landscaping, etc.
3    Ancillary building costs: Permit fees, surveys, connection fees, insurance and building loan interest
4    Running costs: Operating costs (heating oil, gas, electricity, wood, etc.), public levies (water, waste, property tax, etc.), insurance (liability, fire, etc.), maintenance (repairs, garden and surroundings)