Investment: Buy and Rent DRAFT v1

A Casaris comparison — model your buy → finance → rent return across the tracked property set. Research date: —

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What are you looking for?

Set your criteria below — results update as you go. You can switch pillar above at any time.

Where are you looking?

Property type

Living area (m²)

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Rooms

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Purchase price (CHF)

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Price per m² (CHF)

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Rental yield target (% min)

Size & layout

Plot / land size (m²)

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Floors / levels

Year built

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Elevator

Status & features

Property status

Balcony / terrace / garden

Parking spaces (min)

Availability

Move-in from

Listing age

Show matching properties

No parameters set yet.

Matching properties

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Median asking price

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Median price per m²

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Median rent per month

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Median estimated gross yield

Three steps to your analysis: Property → Financing → Rental income. Your result follows below them.

Step 1: Property ▸browse all properties + photos

ZIP code / area

Property

Next — Step 2: Financing

Step 2: Financing

Pick a rate from the market, set your equity, and see what it costs you.

Choose your rate

Click a rate in the table to choose your lender and term.

The cheapest 5-year fixed rate is pre-selected. Rates are indicative and refreshed every night.

Optional: split your mortgage into two rates Many buyers combine a fixed rate (a known cost for years) with SARON (usually cheaper today, but it moves with the market). Both parts stay with the same lender. Choose the second rate and set how much of the mortgage goes to each.

Set your equityAdjust your down payment

Equity down payment

Your financing rateThe result of what you picked above

Your financing rate –

Next — Step 3: Rental income

Step 3: Rental income ▸see comparables used

Expected monthly rent (CHF)

See your analysis

Your analysis

Based on the property, financing and rent you chose above. Change anything and this updates instantly.

Return on Equity

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net income ÷ equity, per year

Net Cash Flow / yr

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after tax & amortisation

Net Cash Flow / mo

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what lands in your account

Gross Rental Yield

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annual rent ÷ price

What if you put down more or less?

Both charts sweep the same thing — your down payment, across the range the lender allows. Your current choice and the break-even point (from the card below) are both marked.

Net cash flow per year

What's left in your account after interest, maintenance, tax and mandatory amortisation.

Return on equity

Net cash flow as a share of the cash you've put in — the return on your own money, not the property's.

Break-even equity

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Affordability check — the Swiss owner-occupier bank stress test

Your annual gross income (CHF)

Pre-filled with an example figure — please replace it with your own annual income.

Uses your own income, independent of the rental scenario above — for when you (or a buyer) would live in the property rather than rent it out.

Cluster benchmark — vs. properties & comps matching on ZIP + room count

Buy to live in it, vs. renting a similar home — owner-occupier comparison

Uses the lender/term selected in the Financing card above (incl. any split), and the rent set in the Rental Income field as the "similar home" comparison — adjust that slider to test a different rent assumption. Swept across down payments from 20% to 50% — pick any row as your scenario.

If you buy: What else changes

Assumed opportunity cost on investing that equity

3.00%

Money not spent on a down payment could instead be invested — this is what a "just renting and investing the difference" strategy would earn, and what buying gives up. Adjust to your own assumption; 0% treats the equity as otherwise sitting idle.

Assumed annual home price appreciation

1.00%

Applied to the full property price, not just your equity — the leverage effect of a mortgage: you own 100% of the gain on a home you only part-paid for. Adjust to your own assumption; 0% assumes prices stay flat.

Show full calculation cascade

Model draft — mirrors the calculation cascade in the project's MASTER_REBUILD.py (equity → mortgage split → interest → maintenance (1%/yr) → tax (28%) → amortisation over 15 yrs for the portion above 65% LTV). Rates, prices and rents are the last researched snapshot, not live market data. Not financial advice — verify with a lender before acting.