smzh blue logo

How to create a comprehensive financing concept for an own home

A financing concept is the key to successful and sustainable real estate planning. Our services provide comprehensive support – from analyzing your financial situation to professional communication with financing partners. We place particular emphasis on precision, transparency, and customized solutions tailored to your needs.

Individual steps of the financing concept

1. Preparation of all property documents

  • Careful collection and preparation of all relevant information regarding the property, including land registry extracts, construction plans, or property valuations.
  • Ensuring that all documents meet the requirements of financing partners.

2. Creation of an income and asset overview

  • Detailed listing of your income sources and assets, including bankable assets (e.g., liquid funds) and non-bankable assets (e.g., real estate, pension assets).
  • Preparation of a structured overview to serve as the basis for the financing request.

3. Affordability analysis

  • Detailed analysis of your financial capacity from the perspective of financing partners.
  • Assessment of how your income and asset structure supports the affordability and repayment ability of the financing.

4. Property valuation

  • Valuation of the property to be acquired using recognized valuation tools.
  • Preparation of a realistic appraisal report that serves as a reliable basis in negotiations with financing partners.

5. Preparation of a professional financing request

  • Development of a clearly structured and compelling financing request.
  • Presentation of key financial figures, affordability analyses, and property valuations in a professional format.

6. Submission and negotiation with financing partners

  • Direct submission of the financing request to potential financing partners.
  • Support during negotiations to secure optimal conditions and prompt feedback.

Advantages of the financing concept

Better chances of success with financing partners

  • Through professional preparation and presentation of all relevant information, we increase your chances of a positive response in the shortest possible time.

Transparent presentation of your financial situation

  • With a structured overview of income and assets as well as a sound affordability analysis, you impress financing partners with clear figures.

Reliable property valuation

  • Valuation of the property using official tools builds trust and strengthens your negotiating position.

Efficiency and time savings

  • Our professional financing request speeds up the process and ensures smooth communication with partners.

Individual advice and support

  • We support you every step of the way and adapt the concept flexibly to your needs and changing market conditions.

We accompany you on the way to your own home

Assessment of financial possibilities

Learn more

Selection of suitable mortgage

Learn more

Direct vs. indirect amortization

Learn more

Optimization of affordability

Learn more

Hedging interest rate risks

Learn more

How it works

Creating a financing concept together

1. Search
We meet for the first time to gather all the details of your current situation. This is not just about your financial situation, but also about your goals and needs.
2. Determining your financial possibilities
Back in the office, we assess the information received and develop possible options for you.
3. Selection of a suitable mortgage
We present you a selection of suitable mortgages in our second meeting. We respond to your questions and support you in taking a decision.
4. Creation of a realistic amortization plan
In financing residential property, it's important to draw up a realistic amortization plan. This shows you how quickly you can repay your mortgage and how high your monthly burden will be.
5. Optimization of affordability
For questions and administrative handling of your decisions, you're always welcome to contact your client advisor.
6. Hedging interest rate risk
For sustainable affordability, long-term planning of the living costs is indispensable. Your planning should take into account potential changes such as childbirth, retirement, or interest rate increases.

Our calculators at your disposal

image - desktop

Housing & Affordability

Learn how you can finance your dream home. The appropriate mortgage can help you turn your dream into a reality faster.

Calculate
image - desktop

Real estate valuation

Discover, in just a few clicks, how much your residential property or dream home is worth at the current moment in time.

Calculate

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

    Depending on your age and the balance in your pension fund, different amounts can be withdrawn. For example, with a balance of CHF 0,000 at the age of 0, up to CHF '000 can be withdrawn or pledged for residential property. With a balance of CHF 0,000 at the age of 0, it is also possible to withdraw half of the amount.

    At least 20% of the purchase price must be paid in equity. Of these 20%, at least 10% must be "hard equity," meaning funds that do not stem from one's pension fund, in other words savings, securities or pillar 3a savings. If someone is unable to come up with these funds, they will obtain no financing – or run considerable risks upon repayment.

    Ideally, financing should look as follows: At least 20% equity, with the rest financed through a mortgage. Running costs must not exceed one-third of gross income.