Swiss Mortgage Affordability Calculator (Tragbarkeit)
Determine whether your gross household income satisfies Swiss banking guidelines (Tragbarkeit). Applies the theoretical 5% interest rate, 1% maintenance charges, and compulsory 2nd rank amortization.
How to use this calculator
- Enter the property purchase price in CHF.
- Enter your total down payment (min 20%).
- Enter your total gross annual household income.
- Review your affordability status (Pass if <= 33%, Fail if > 33%).
Formula & method
Swiss Banking Tragbarkeit Formula
Tragbarkeit Ratio = (Theoretical Interest + Maintenance + Amortization) / Gross Annual Income
Theoretical Interest = Loan x 5%; Maintenance = Price x 1%; Amortization = 2nd Rank / 15.
Example
Income 180,000 CHF -> Max annual housing budget = 59,400 CHF (33%).
Key insights
- Swiss banks limit theoretical housing costs to 33% of gross income.
- Theoretical costs combine 5% interest on total loan + 1% maintenance on property price + 2nd rank 15-year amortization.
How to interpret your result
Tragbarkeit Rule
If your theoretical annual cost exceeds 33% of gross income, banks will require a larger down payment or a co-borrower to approve the loan.
Frequently asked questions
- What is Tragbarkeit in Switzerland?
- Tragbarkeit is the Swiss mortgage affordability rule stipulating that theoretical annual housing costs must not exceed 33% of gross income.
Related calculators
- Swiss Mortgage Calculator — Calculate 1st & 2nd rank mortgage payments, 15-year amortization and stress test affordability (Tragbarkeit) in Switzerland.
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