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Own capital min. 3'000'000


Purchase price   15'000'000.-      
Acquisition costs % 750'000.-    
Total acquisition       15'750'000.-  


Own capital %     3'000'000.-
Mortgage 1st rank   9'750'000.- =65.0%    
Mortgage 2nd rank   2'250'000.- =15.0%    
Total Mortgage       12'000'000.- =80.0%

Annual Costs

Mortgage interest 1st rank % 97'500.-    
Mortgage interest 2nd rank % 22'500.-    
Total interest       120'000.-  
Mortgage amort. 2nd rank % 22'500.-    
Total amortization       22'500.-  
Running/maintenance costs       150'000.-  
Total per year       292'500.-  
Total per month       24'375.-  

Minimum income

Mortage interests 1st rank for minmal income % 487'500.-    
Mortage interests 2nd rank for minmal income % 112'500.-    
Total amortization   22'500.-      
Running/maintenance costs   150'000.-      
Total cost for minimum income calculation   772'500.-      
Minimum income per year       2'340'909.-  
Minimum income per month       195'076.-  
Costs/income ratio       33%  
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.