You want to realize the dream of your own home? Then plan the long-term financing of your own four walls with a mortgage from AXA now! Calculate your personal interest costs and choose a mortgage that you can afford over the long term.
The financial cost of your own home should be affordable over the long term. The running costs of your own home should not exceed one third of your gross annual income. An example is included here of how you can properly estimate your financial options.
In German:
Phone: +41 58 215 38 46
In Italian:
Phone: +41 58 215 33 15
AXA
Mortgage Center / W0.164
General-Guisan-Strasse 40
P.O. Box 357
CH-8401 Winterthur
Phone: +41 58 215 38 46
Email: info.hypothek@axa.ch
In French:
Phone: +41 58 215 34 01
AXA
Centre hypothécaire / DD-1.662
Case postale 7753
1002 Lausanne
Tel: ++41 58 215 34 01
Email: centrehypo@axa.ch
AXA uses the 20:80 rule: You invest at least 20% of the purchase price of your own home yourself. You may finance a maximum of 80% using borrowed capital (1st and 2nd mortgages). The higher the portion of your own invested capital, the lower your interest payments.
To benefit from financing by AXA, you must provide at least 20% of the purchase price of the property from your own assets. These may not derive from an advance withdrawal from Pillar 2 or from other loans. Pledging Pillar 2 assets is not permitted.
Mortgage repayment is normally split across two different mortgages:
The running costs for your own home should not exceed one third of your gross annual income. These costs include the interest on the 1st and 2nd mortgages, the ancillary costs and the repayments for the 2nd mortgage.
The minimum mortgage amount is CHF 400,000.
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