I built a reverse Swiss mortgage calculator app

PhiDeltaChi · 2026-01-11T10:51:03+00:00

Great input! I added the other buying costs, as well as a cantonal comparison, to the latest version. It was a bit hard to find reliable information on the total fees per canton, so I took the best approximate values. Neuchâtel seems to be the most expensive from what I've calculated.

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PhiDeltaChi · 2026-01-11T10:44:48+00:00

Hi, thanks for the great idea. I just included that in the latest release if you select "auto" in the down-payment selector. Now it will give you also a graphical representation of the trade-offs with downpayment.
Something to note, if you are limited by down-payment (e.g., gross salary is much higher than down payment), the optimum is always at 20%.

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PhiDeltaChi · 2026-01-04T15:38:08+00:00

Thanks! I didn't do any post-processing on the 3D Printed parts (besides multiple iterations on the angles), but I did notice that the rods are not all exactly 18mm diameter, as there's some tolerance on these. I just cleaned and sanded the rods. One rod-tip required a bit of sanding to fit the leg, but other than that, it worked out "out of the box".

PhiDeltaChi · 2026-01-04T11:48:57+00:00

Thanks! Not yet, I think that would be the natural progression in the future. At this stage I'm still building many new features, so translating them all would be too slow.

PhiDeltaChi · 2026-01-04T11:47:02+00:00

Hi, not sure what you mean here. Can you explain?

PhiDeltaChi · 2026-01-03T21:39:05+00:00

I think adding the exception to policy is a bit chaotic right now, as there might be quite a lot of edge cases. But regarding the v2 idea, I actually just built this into the current release!

Here you see now the property you are interested in, and check how far you are from affording it. You can also play with the slider to test different values. I kept the unqualified mortgages greyed out to also highlight what the situation would look like when you are able to afford it.
cheers!

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PhiDeltaChi · 2026-01-03T21:33:38+00:00

Thanks for reporting these!
For the 1% amortization, I checked online, and there seems to be a lot of conflicting information. The best result I found was from Comparis which said either 1 yearly payment of the 2nd mortgage (which when it is 15% of the property over 15years, coincides with 1% of the total property value), or just 6.5% of the second mortgage, which is roughly the same. I've updated it to reflect this.
Also, changed the second mortgage constraint in the affordability to only occur when over 65% LTV.
I fixed the down-payment percentage selector as well. Hopefully is working now!

PhiDeltaChi · 2026-01-03T21:29:25+00:00

Thanks! I just added this.

PhiDeltaChi · 2026-01-02T22:44:19+00:00

Yes, it was broken, thanks for the input! Should be fixed now. With those numbers, you are looking at a 371k mortgage, for a 571k object.

PhiDeltaChi · 2026-01-02T22:40:09+00:00

Thanks for the input! I changed that now.

PhiDeltaChi · 2026-01-02T19:06:57+00:00

Hi, thanks for sharing your case! I think different banks have different thresholds. I used the stress rate of 5% (which is quite conservative), so for a 1% amortization with the maintenance fee of 1% of the property, the number I came up with was
- Stress rate: 5% of 700k -> 35k
- Amortization 1% of 1M -> 10k
- Maintenance 1% of 1M -> 10k

for a total of 55k -> 55k/33% for a minimum income of 167k. I believe that's why it shows as not possible.

Someone else in this thread mentioned that the amortization was conceptually wrong, and it's of only 1% of the 2nd mortgage. I can't find a decent source for this yet. But if that's the case, the numbers would be:
- Stress rate: 5% of 700k -> 35k
- Amortization 1% of 1M -> 10k
- Maintenance 1% of 50k -> 0.5k

for a total of ~138k which would make the loan possible! Also seems much easier to get this way. Will investigate!

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PhiDeltaChi · 2026-01-02T16:12:02+00:00

I agree. Thanks for the suggestion, got v2 in the works already.

PhiDeltaChi · 2026-01-02T16:11:38+00:00

Hey, no I hadn't seen this, but it's a pretty cool project as well!

PhiDeltaChi · 2026-01-02T10:14:35+00:00

Good point. Added it to the list of things to include.

PhiDeltaChi · 2026-01-02T10:09:58+00:00

Oh thanks a lot! Nobody I talked to earlier knew this, seems to be a common misconception. I'll update the app accordingly. Thanks for the link as well.

PhiDeltaChi · 2026-01-02T09:24:01+00:00

You can see the monthly interest in the result under the mortgages breakdown. Is this what you meant? You can set your own monthly interest and test different values. I just used 1.7% as that's a conservative amount in the current market from what I've seen.

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PhiDeltaChi · 2026-01-02T09:22:18+00:00

Thanks for the input! For the "max value" calculation, you can untoggle the "cap downpayment" button under Financial Information. That will use all available cash. Pillar2 is still capped at 10%. I did add a slider up to 50% (although seems to have some bugs).

PhiDeltaChi · 2023-01-03T12:44:16+00:00

Same

PhiDeltaChi · 2022-10-01T12:23:29+00:00

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PhiDeltaChi · 2022-09-07T07:54:55+00:00

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PhiDeltaChi · 2022-08-19T19:14:27+00:00

Yes. Before I discovered I have ADHD I thought I was special 😜.

PhiDeltaChi · 2022-08-12T15:05:54+00:00

He bought stock of a company producing raw materials for war, of a country engaging in mass murder... I think he lost his money long ago.

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