| | |
| price
|
100'000 |
| conditions |
|
| interest rate Ist mortgage Flex-Rollover |
1.65% |
| interest rate Ist mortgage FIX 3 years |
1.80% |
| interest rate Ist mortgage FIX 5 years |
2.35% |
| average interest rate for 50 years |
2.70% |
- will be adapted daily according to the current situation on the money and equity market till closing
- can be improved through additon of equity (assets, accounts, e.t.c.)
|
|
market value
(usually purchase price = market value) |
100'000 |
equity capital %
(e.g. cash, assets, provisional inheritance loan, family, pension funds) |
20'000 |
| financing |
| 1st mortgage |
66'000 |
| 2nd mortgage |
14'000 |
| total mortgage |
80'000 |
| lending value in % |
80% |
| |
| financial capacity |
Flex-Rollover |
FIX 3 years |
FIX 5 years |
average interest rate for 50 years |
|
| 1st mortgage |
66'000 |
1'089 |
1'188 |
1'551 |
1'782 |
|
| 2nd mortgage |
14'000 |
336 |
357 |
434 |
483 |
|
| amortisation period of 20 years |
700 |
700 |
700 |
700 |
700 |
|
| |
| |
| additional costs 1.00% of the market value |
1'000 |
1'000 |
1'000 |
1'000 |
1'000 |
|
| total |
per year |
3'125 |
3'245 |
3'685 |
3'965 |
|
| total |
per month |
260 |
270 |
307 |
330 |
|