Mortgage affordability
The "33% rule" guides Swiss banks when assessing whether a household can afford housing.
These calculators do not constitute financial, tax or legal advice. Rates, rules and bank policies change. Consult a licensed advisor before any purchase or borrowing decision.
What is included
Interest at a floor rate (often 5% or contractual rate), 2nd mortgage amortization, and maintenance (about 1% of property value per year).
Income considered
Stable gross household income. Bonuses and variable income are often weighted at 50–80%.
Our simplified indicator
The calculator compares monthly payment + simplified maintenance to gross monthly income. Indicative only: each bank applies its own rules.