Professional Documents
Culture Documents
00%
Period in years 8 8
Upfront Costs
Notary fee 0.40% 2,800
Property Transfer Tax Part 1 1.50% 10,500
Land Registration Fees 0.10% 700
Other upfront fees? 0 0
Annual Costs
Annual Mortgage -20,393
Property tax 0.00% 0
Tax Changes with Property Purchase -4,000 -4,000
Management Fees 0 0
Maintenance Costs 7,000 7,000
Utilities 2,500 2,500
Building Insurance 500 500
Household Insurance 300 300
Annual Costs -14,093
Propery Appreciation
Appreciation per Year 0.50% 5.1%
Appreciation Property Gains 35,798
Final Property Value 735,798
Owned Capital
Accumulative Amortization -219,333
Percent Ownership 48.67%
Owned Property Capitol Gains 17,422
Value Owned 358,088
Expenses
Total Annual Costs and Upfront Costs -126,933
Property Transfer Tax Part 2 1.50% 10,500
Property Transfer Tax at Sale 1.50% 11,037
Property Gains Tax [%] 30 5,227
Real Estate Fees 2.00% 14,716
All Expenses -$85,454
Value 443,542
Net Investment -116,458
Return on Investment per Year -2.08%
for comparison:
average US equity return: S&P 500 over last 70 years is 7% (inflation adjusted)
Return on Downpayment Investment Per Year
0.035 0.06
0.03
Downpayment ROI per year
0.05
0.025
0.04
0.02
0.015 0.03
0.01 0.02
0.005 0.01
0
0 5 10 15 20 25 0
0 2 4 6 8 10
Years Owned
Years Lived In
stment per Year
0.06
stment per Year
0.09
0.05 0.08
0.07
0.04 0.06
Return on Downpaymet Investment per Year
0.06
0.05 0.08
0.07
0.04 0.06
0.03 0.05
0.04
0.02
0.03
0.01 0.02
0.01
0
0 0
00 -0.08
-0.011 -0.01
Comparison Monthly Rent or Charged Rent App
Important factors not incroprated into this analysis: inflation, occupancy %, variation in parameter assumptions, risk po
15 years of mortgage is the maximum allowed to reach 33% ownership by swiss law, this sets the amortization rate
0.035
0.03
0.025
0.02
0.015
0.01
0.005
0
0 0.005 0.01 0.015 0.02 0.025 0.03 0.035 0.04 0.045
2 4 6 8 10 12 Mortgage Interest Rate
Years Lived In
stment per Year
0.09
0.08
0.07
0.06
Return on Downpaymet Investment per Year
0.09
0.08
0.07
0.06
0.05
0.04
0.03
0.02
0.01
0
-0.08
-0.01
Appreciation % Per Year
occupancy %, variation in parameter assumptions, risk potential of bad decision or unknown factors, and likely more
wnership / 12 Months
Property Gains Tax varies by Kanton, for Basel Stadt click here for an explanation
Fee Percent
ment Fee Percent) * Tax Percent