Investment

The two files are not put together the same way. Your answer sets the questions that follow.

From a simple affordability check to a signed deed, we do not ask the same questions: the steps adapt.

A main home, a second home and a rental property call for neither the same own funds nor the same amortisation.

From one canton to the next, notary fees look nothing alike: we work them out right here.

The property is yours: value, debt and maturity decide when we have to negotiate.

Maturity of the current tranche

Count the people who will sign, not the whole household: their income is what enters the calculation.

Your age at retirement sets the amortisation period: the first figure a lender looks at.

The costs of the property must not exceed one third of your income. That is the affordability ratio, and it settles the matter.

Is there a bonus on top?

Other income

Allowances, annuities, pensions, rent received. One line per income.

Existing commitments

Leasing, loans, maintenance paid. Optional, but they weigh on the calculation.

Count on 20% of the price, at least 10% of it outside the 2nd pillar, plus fees. List what you have, line by line.

Your canton of residence sets the tax on a 2nd or 3rd pillar withdrawal: better to know before deciding.

Your answers go into the file, your client area opens with this address, and Sam Barbey calls you back.

Select all that apply.