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
Enter the price actually being paid. Lenders apply their loan-to-value to their own lending value, which is normally the lower of the price and their valuation — brokers rarely know it in advance, so the valuation stress test below shows what happens if it comes back 5%, 7.5% or 10% under the price. Any shortfall must then be covered by own funds that do not come from pillar 2.
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 just what is earmarked for this purchase. What is left after the deal drives the valuation stress test and some lenders' minimum-reserve rules, so understating it here quietly costs the client lenders.
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 does not reduce the loan: the bank advances the full amount and holds the assets as additional security, so gross LTV is unchanged while net LTV falls — and affordability is still assessed on the larger loan. Where a lender publishes that it accepts a pledge, its ceiling is applied. Where it publishes nothing, the case is still shown and marked, never assumed.
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.