Financial simulation of the impact of a real estate purchase in Switzerland
Buying a property is a major decision that will transform your finances, taxation, and even your purchasing power. Before taking the plunge, it is essential to measure the economic and tax impacts in the short, medium, and long term. At FBKConseils, we carry out a complete study to help you make an informed decision and prepare a solid financing plan.
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Why choose FBKConseils for your real estate financial study?
At FBKConseils, our entire team is highly qualified, trained, and passionate, bringing expertise across multiple areas to support you throughout your projects.
Complete analysis of equity and solvency
We identify all your sources of equity (savings, 3rd pillar, 2nd pillar, inheritance advances, etc.) and determine the most efficient way to use them. We also verify your borrowing capacity according to banking criteria (expenses ≤ 1/3 of household income).
Accurate and personalized tax simulation
Imputed rental value, mortgage interest, direct or indirect amortization, maintenance deductions: we simulate the real tax impact of your property purchase, taking into account your canton and your personal situation.
Study of the impact on purchasing power
Becoming a homeowner changes how you allocate your income. We compare your current budget with your post-purchase budget to assess the share of your income dedicated to housing and the margins left for your personal projects.
Determining the optimal scenario
Direct or indirect amortization? Fixed or variable mortgage? Pledge or withdraw your 2nd pillar? We model several scenarios to identify the most advantageous combination and secure your decision.
Our offers for real estate purchase simulations
With us, everything usually begins with a free introductory meeting, either in our office or via video call, to discuss your needs and guide you towards the best possible solution.
0.-
Includes:
- 15-minute introductory consultation.
- Identification of the documents to gather.
- No commitment.
195.-
/hour
Includes:
- 15-minute introductory consultation.
- Collection and processing of information.
- Analysis of equity, solvency, and tax simulation (imputed rental value, deductions, amortization).
- Study of the economic impact and on purchasing power.
- Comparison of several scenarios.
- Detailed report and explanations during a follow-up meeting.
We can also accompany you through the creation of your mortgage file and follow up with banks/insurers.
They already trust us.
Because a property purchase changes your budget, your taxation, and your consumption capacity. A simulation allows you to anticipate the consequences and verify if your project is viable.
In Switzerland, at least 20% of the property price must come from equity (including at least 10% outside the 2nd pillar). We help you identify your sources (savings, 3rd pillar, 2nd pillar for a primary residence, inheritance, gifts).
Buying a property brings new taxable items (imputed rental value) but also deductions (mortgage interest, maintenance, indirect amortization). Depending on your profile and your canton, the impact can be either positive or negative.
It depends on your income, your borrowing capacity, the level of mortgage rates, and the evolution of the real estate market. Our role is to compare several scenarios and provide you with a clear and objective vision.
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