Mortgage calculator for Geneva: loan, costs, equity and rate
Enter the price, gross income, equity, 2nd pillar and the rate from your offer: the calculator returns the mortgage and its ranks, the actual and imputed costs, the Geneva purchase costs and the financing verdict.
The property and your household
Parameters as of 16 September 2026: mortgage of at most 80% of the price, 20% equity of which 10% outside the 2nd pillar (SBA guidelines), 1st rank up to two thirds of the price, 2nd rank amortised over 15 years, imputed rate 5%, maintenance 1% of the price, imputed cost capped at one third of gross income; Geneva purchase costs ≈ 4% of the price + 2.5% of the loan, Casatax reduction CHF 20,924 up to CHF 1,394,928. Indicative estimate: the bank sets the lending value and the rate.
It applies the financing rules in force in 2026.
- Loan limited to 80% of the price: first-rank mortgage up to two-thirds, second-rank mortgage amortised over 15 years.
- Imputed costs at 5% interest, plus amortisation and 1% maintenance, capped at a third of gross income.
- Equity of 20% of the price, at least 10% of which from outside the 2nd pillar.
- Deed fees of 4% and mortgage note fees of 2.5%, with the Casatax discount deducted for a main residence.
What interest rate should you enter in the calculation?
The interest rate to enter is the one from your offer, or failing that 1.8%, a rough order of magnitude for a 10-year fixed rate in the first half of 2026. A variable rate follows the mechanism of the SARON mortgage.
Is the calculator's result an agreement from the bank?
No: the calculator's result is a simulation, not an agreement from the bank, which applies its own lending value and takes account of your existing commitments. To start from income and equity and obtain the maximum achievable price, the affordability calculator works the other way round.