Financing is a key challenge in any real estate purchase or construction project. It involves assessing affordability, making optimal use of own funds, selecting the right financing solution, and ensuring appropriate loan-to-value ratios.
With smzh, you receive professional support to develop a tailored financing solution and benefit from the best possible terms.
Affordability determines whether you can cover the monthly charge of interest rate, amortization, and ancillary costs in the long term.
Rule of thumb: The charge should not exceed 33% of your gross income.
The loan-to-value ratio determines what share of the purchase price is financed by the mortgage. Normally, the maximum loan-to-value ratio is 80% of the property value.
The remaining 20% must be covered by equity. smzh helps you best use your own funds, for instance:
Based on your budget and loan-to-value requirements, we calculate how high financing may be for you to achieve your goals.
We take into account long-term developments such as changes in interest rates or your personal circumstances.
Together with you, we examine various types of mortgages to find the best solution:
If required, we combine various types to minimize risks and costs.
smzh compares offers of banks, insurers, and pension funds, securing the best financing partners for you.
Thanks to our network, we can often negotiate better conditions and offers for you.
We support you in signing the loan agreements and ensure that all conditions are clear and governed favorably.
smzh coordinates the payment process, particularly in case of transactions involving promises to pay.
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Your advantages with smzh in real estate financing:
Together let us develop the ideal kind of financing for your property:
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.
Affordability shows whether you can cover the running costs of your property in the long run. These costs should not exceed 33% of your gross income.
Generally, at least 20% of the purchase price needs to be covered by equity. We help you find the best sources of equity.
The most common types include fixed-rate mortgages, SARON mortgages, and variable mortgages. We advise you on what type of mortgage is best given your requirements.
We provide a comprehensive analysis, compare offers from various partners, and guide you through the entire process to find the financing solution that is best for you.
Yes, under certain conditions, you can use savings from the 2nd pillar or pillar 3a for the sale, construction, or amortization of a property. We advise you on your options and potential risks.