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Old 15.01.2017, 01:24
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Meadow Meadow is offline
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Re: Mortgage tips and risks

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I find 25 too high. I would suggest not buying anything that costs more than around 16x annual rent, or say 200x monthly rent (easy to calculate in your head).

EDIT: maybe with the low IR, you could deduct from the price the anticipated savings during the fixed rate period
That's an interesting tip. So in the first 15 years you may save 20-25% of the initial flat value.

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Tons of offers at that 25 factor, i.e. 4% Bruttorendite. Here's one:, it's even 4.4%, and there's potential to jack the prices up.
That's a small block of flats. For 2.25 million CHF. What are we talking about? If he gets 4.4% then that's a 100'000 per year. 4 apartments, so each of them pays him 2100 CHF per month. 2100 is what I'm paying for a much better looking flat in a much better location.
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