Equity calculator in Geneva: how much to raise to buy
Enter the property price, your savings and securities, your pillar 3a, any gift and the 2nd pillar funds you plan to use: the calculator gives the equity required, the purchase costs payable on top and the shortfall or surplus.
The property and your funds
Parameters as of 23 September 2026: equity 20% of the price, of which 10% outside the 2nd pillar (SBA guidelines s. 2.1), 40% for a second home (UBS practice); Geneva purchase costs ≈ 4% of the price + 2.5% of the loan, counted outside the 2nd pillar for prudence; Casatax reduction CHF 20,924 and mortgage note at half rate up to CHF 1,394,928 (main residence). Indicative estimate: each bank applies its own parameters.
It applies the financing rules in force in 2026.
- Equity of 20% of the price, of which at least 10% from outside the 2nd pillar (SBA guidelines, section 2.1); 40% for a second home, with no 2nd pillar or pillar 3a funds.
- Purchase costs of 4% of the price and 2.5% of the loan, paid on top of the equity, with the Casatax discount deducted for a main residence.
- Family loan excluded from equity, unless it is subordinated or assigned to the bank.
Does the calculator's result count as the bank's approval?
No: the result is an estimate, not an approval from the bank, which applies its own lending value. The accepted sources, the choice between withdrawal and pledging of the 2nd pillar, and proof of funds are covered in detail in the guide to equity for buying in Geneva.