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Private Clients - Switzerland

Capital Requirements

Your wishes and requirements will influence the cost of your own home. We shall be glad to ensure sound financing for your new home, tailored to your individual situation.

What Type of House Can I Afford? 

Equity Capital

If you are building or purchasing your own home, you should usually contribute 20% of its market value or purchase price as equity. The main sources for this contribution are savings capital and/or funds generated from the sale of securities. It's also possible for you to withdraw your Pillar 3a retirement capital or Pillar 2 pension fund assets in advance. As another alternative, you can pledge financial instruments of all sorts, including Pillar 3a assets in particular.

Borrowed Capital

Subject to affordability, Credit Suisse will provide the remaining 80% of the capital you require in the form of mortgage financing. The first mortgage represents 66% of the market value or purchase price. For the remaining amount you'll need a second mortgage, which is issued at a higher rate of interest and is repaid in regular installments over a longer period.

Capital Requirements

Advice

During a personal consultation, your mortgage expert will take a close look at your individual requirements and wishes. Together, you will develop the best possible solution to meet your capital requirements. Please contact your personal advisor or call us at 0844 855 100. Arrange an appointment online

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Advice and Contact

Telephone 0844 855 100

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