Good advice is crucial –
that is why we take our time
Purchasing a home is something you may only do once, maybe twice, in a lifetime. This makes it all the more important to get sound advice - after all, this is about your dream home and how to finance it. With us, Intercity Vermarktung AG and HRS, you are in the best hands to have all your questions answered and to receive competent advice. We are standing by to guide you with our knowledge through the key decision phases.
Standing by to answer all your questions
Consulting
We enjoy offering
personal assistance
to people every step
of the way along the path
to home ownership.”
MARIANA SCHWAGER
CEO Intercity Vermarktung AG
CEO Intercity Vermarktung AG
Purchaser assistance
“From the vision to the
execution, to handing over the keys,
many decisions await you
along the way; we are here
to guide and support you.”
NADJA-JULIETTE KAMM
Project Lead Marketing HRS
Project Lead Marketing HRS
Guide to
financing
To ensure optimal financing arrangements
Another key and long-term issue is the financing of your home. There are often a number of options here as well - with questions such as: How high should the mortgage be? Where should your down payment come from? What are the recurring costs? And how can you optimize home ownership for tax purposes? We work with experienced mortgage partners to answer these and other questions. They all can provide you with expert advice, from financing to property transfer. In our "Guide to Financing" document, you will find all the direct, personal contacts for the various banks.
We look forward to supporting you on your way to home ownership.
Another key and long-term issue is the financing of your home. There are often a number of options here as well - with questions such as: How high should the mortgage be? Where should your down payment come from? What are the recurring costs? And how can you optimize home ownership for tax purposes? We work with experienced mortgage partners to answer these and other questions. They all can provide you with expert advice, from financing to property transfer. In our "Guide to Financing" document, you will find all the direct, personal contacts for the various banks.
We look forward to supporting you on your way to home ownership.
Financing example
Here is an is an example calculation of your future monthly costs.
*Reference value for a 3-year fixed-rate mortgage interest rate.
** Reference value for a 3-year LIBOR mortgage interest rate.
All information provided without guarantee. Status: March 2021.
Here is an is an example calculation of your future monthly costs.
| Purchase price 3.5 room residential unit | CHF | 880,000.– |
| 10% capital from Pillar 3a, savings, etc. | CHF | 88,000.– |
| 10% capital as a withdrawal from the pension fund | CHF | 88,000.– |
| 80% mortgage | CHF | 704,000.– |
| Monthly costs | ||
| Interest costs fixed-rate mortgage 0.75%* | CHF | 128.– |
| Interest costs LIBOR-rate mortgage 0.65%** | CHF | 271.– |
| Amortization of 13% over 15 years (savings portion) | CHF | 652.– |
| Maintenance and ancillary costs of 1% | CHF | 733.– |
| Total monthly costs | CHF | 1,784.– |
*Reference value for a 3-year fixed-rate mortgage interest rate.
** Reference value for a 3-year LIBOR mortgage interest rate.
All information provided without guarantee. Status: March 2021.
Facts & Figures
