Do you want to realize the dream of owning a 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.
* Imputed interest rate: Lenders use this purely theoretical interest rate to gauge whether you could still afford the mortgage if rates were to rise sharply.
** Repayment: The mortgage is repaid in equal quarterly installments. The second mortgage must be repaid within 15 years or by age 60 at the latest.
*** Ancillary costs: As a rule of thumb, 1 % of the property value should be set aside every year for ancillary and maintenance costs.
**** Sample interest rate: This depends on the lender's actual rates and the term of the mortgage. We have used a rate of 1 % in this example to keep things simple.
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
8401 Winterthur
Phone: +41 58 215 38 46
E-mail: info.hypothek@axa.ch
In French:
Phone: +41 58 215 34 01
AXA
Mortgage Center / DD-1.662
P.O. Box 7753
1002 Lausanne
Phone: +41 58 215 34 01
E-mail: centrehypo@axa.ch
AXA uses the 20:80 rule: you pay at least 20 % of the purchase price for your own home from your savings and borrow up to 80 % in the form of first and second mortgages. The higher the percentage you pay with your own funds, the lower your interest payments will be.
When you take out an AXA mortgage, you must pay at least 20 % of the purchase price of the property from your own funds. None of this is allowed to come from an early withdrawal from Pillar 2 or other loans, and pledging Pillar 2 assets is also not permitted.
Mortgage repayment is normally split across two different mortgages:
The running costs of your home shouldn't amount to more than a third of your gross annual income. These costs include interest on the first and second mortgages, ancillary costs, and repayments for the second mortgage.
The minimum mortgage amount is CHF 400,000.
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