Indicative criteria check across Swiss lenders — not a credit decision. Backbone defaults: imputed rate 5%, maintenance 1%, debt-to-income 33.33%, bonus 50%, amortise to two-thirds; multi-family homes are assessed on debt-service coverage.
Purpose
Applicant
Borrowers
Borrower 1
CHEU/EFTAUKUSRU/BYOther
Company income
Affordability is assessed on the property's income. Many lenders don't finance legal persons — they will show as excluded.
Property
Net operating income = net cold rent (Sollmietzins / Nettomiete) minus all operating expenses (management, maintenance and reserves, insurance, vacancy). The rent excludes the tenants' ancillary charges (Nebenkosten), which are a pass-through and never count as income. Exclude mortgage interest and amortisation. Operating expenses are typically 15–25% of the cold rent.
A multi-family home needs a minimum number of let flats (UBS 3, others 4) and the borrower must own the entire building. If you own only some flats, they are financed as individual units, not as an MFH.
Agricultural / special zoneLeaseholdUsufructListed / protected
This property's income
Enter the rent less the ancillary costs (Nebenkosten) charged to the tenant. Maintenance is applied separately at 1%.
Your main residence
If you live rent-free (e.g. with family), a minimum of CHF 12,000 p.a. is applied — lenders will not accept nil rent.
Other properties you own
Swiss properties
Foreign properties
Swiss properties: net rental income minus stressed interest (5% of the mortgage), 1% maintenance of the value, and amortisation. Foreign properties: the full annual debt service plus 1% maintenance of value are charged; foreign rental income is credited at 50% by banks and insurers, and at 0% by pension funds.
Total own funds
Enter everything the client has available — not only the amount earmarked for this purchase. What remains after the deal drives the valuation cushion and some lenders' minimum-reserve rules.
Notary, land registry, transfer tax and mortgage deed — paid from own funds, never financed. Leave blank to use the cantonal estimate; enter a % to override. Cantonal rates are drafts — verify against your figures.
2nd-pillar money (withdrawal or pledge) can only be used for an owner-occupied main residence — not for holiday, buy-to-let or investment property.
Remortgage
No own funds are required to remortgage. What matters is whether the new loan stays within the first rank (two-thirds of value) or moves into the second rank — and, if it's an increase, the purpose.
Pledged pillar assets (optional)
A pledge lowers the net loan-to-value without touching gross LTV. Most lenders don't count a pledge as own funds through a broker platform; a few do direct. Left off by default — a per-lender switch comes with confirmation.
Loan
Case description (for submission)
Required for submission. Appears on the submission pack.
Retirement rule: by the time the working borrowers retire, the loan must have amortised to whatever the pension income can carry at the first rank. Some lenders instead simply cap the loan; that per-lender difference is a mapping-phase refinement.