The calculators
A comparison gives a price; a calculation gives a decision. These four tools ask for no e-mail address and store nothing: the maths runs in your browser.
- Deductible: CHF 300 or CHF 2,500?Total cost over the year — premium, deductible and co-payment — for each tier, and the level of costs at which the answer flips.Work out my deductible →
- Mortgage affordabilityThe bank’s test: 5 % theoretical rate, 1 % maintenance, amortisation over fifteen years, and a third of income as the limit.Test my file →
- Contents value to insureThe room-by-room inventory that reveals under-insurance — the kind that cuts compensation proportionally, even on a small claim.Value my belongings →
- Full casco: until when?Cumulative premiums against the vehicle’s residual value, and the year full casco starts costing more than it returns.Find the tipping year →
Mortgage affordability
Does your file pass?
The two rules that decide, applied to your figures. This is the calculation the bank runs before it even looks at the rate.
The file passes
- Own fundsCHF 200'000 / CHF 170'000
- Theoretical costsCHF 46'556 / CHF 50'000 — 31.0 % of gross income
The calculation in detail
- Notional interest (5 %)
- CHF 32'500
- Amortisation
- CHF 5'556
- Upkeep and charges (1 %)
- CHF 8'500
- Annual costs
- CHF 46'556
- Maximum allowed
- CHF 50'000
Maximum price financeable
CHF 891'000
with these own funds and this income
The 5 % notional rate is not the rate you will pay: the bank uses it to check you could still cope if rates rose. This rule, not today’s rate, is what blocks most files.
Contents value to insure
What are your belongings really worth?
Item by item, what replacing them as new would cost. Nothing is pre-filled: these are your things, not an average.
Full casco: until when?
Is full casco still worth its price?
What it costs you cumulatively, against the most it could ever pay out. Two curves, no assumed probability.
From year 7 your cumulative premiums exceed what casco could reimburse.
| Year | Cumulative premiums | Vehicle value |
|---|---|---|
| 1 | CHF 900 | CHF 15'300 |
| 2 | CHF 1'800 | CHF 13'005 |
| 3 | CHF 2'700 | CHF 11'054 |
| 4 | CHF 3'600 | CHF 9'396 |
| 5 | CHF 4'500 | CHF 7'987 |
| 6 | CHF 5'400 | CHF 6'789 |
| 7 | CHF 6'300 | CHF 5'770 |
| 8 | CHF 7'200 | CHF 4'905 |
We assume no accident probability: we have no claims statistics, and inventing one would be dishonest. The table only shows the two amounts. The judgement stays yours — and it changes if you could not replace the car out of your own pocket.
None of these calculations invents a constant. Deductible tiers and the cost-sharing cap come from the ordinance; the 5 % theoretical rate and 1 % maintenance are the rules Swiss banks apply. A result is not an offer, and an offer is not a contract.