Computations on mortgage for a villa in Vaud canton

Real Estate
1

Hello all,

Thanks for taking the time to read below :slightly_smiling_face:

My husband and I wish to buy a house in January 2025. We’re looking into mortgage brokers, individual requests, etc.
I know Mustachian is recommending VIAC, and we did ask a few days ago, waiting for them to answer (if you have any experience with their timing…).

We are trying to compute which offer from what we got is the bestm based on a time span of 10 years, with fixed interests.

Our calculations seem off for one particular case because, with the (as I understand) sh*tty insurance 3a offered, it almost sounds like a good idea with such a low proposed interest rate.

We did our calculations here (probably something is wrong => if not, please enjoy it for yourself if it can be of any use).

Our assumptions:

  • VIAC 3a pillar would at least get us a 5% yield
  • We calculated based on different amounts of donation (if we can lower that, would be nice)
  • We calculated everything on 10 years
  • We compare the ending situation, based on the fact that we spend 4’860.- per month for rent + 3a placement

If anyone could be of help, that would be highly appreciated !
I’m up for any question you may have.
Thanks again

2

“Montant notaire” seems very high to me.
It’s usually 0.1-0.5% of the purchase value.

3

3a calculation in lines 43, 44 seems off - especially C43 D43 and I43 are most definitely incorrect

4

@Luk_nuts
I this is exact in terms of all notary stuff, that’s at least the exact quote they gave me (including all).
They provide an estimation of 4% for Vaud (on ref here).

@xmj
Thanks, I think I got the error, but not sure the end result is great…

Thanks for any feedback!

5

Nice table.
But why don’t you go with different bank that offers lower rate for 10 years such as UBS key4 (1.09%), Migros Bank (1.18%) or even Postfinance (1.20%)?

6

Hello,

we’ve bought the house in Vaud too, for almost the same price - your notary/taxes estimation should be fine. Please find our exact numbers below:

image
image920Ă—522 63.2 KB

Hope this helps. Good luck!

4 Likes
7

@Mr.B Thanks for the tips, we’re surprised our broker is not pursuing these options, but we know our situation is a bit complex (my husband has its own company, some funds are moved from there as a salary advance), and it seems that even with a 276’000k per year, it’s not enough to convince a lot of people :frowning:

@baldur Thanks a lot for the very thorough computation :slight_smile:

If anybody has insight on taxes calculations after the buy or more insights on the current sheet (I can’t believe taking a 3a in insurance can work…).
Thanks

8

is your broker telling you this or did you get that first hand from possible lenders?

9

Hi @newhere
Our broker…
I reached out to PostFinance & UBS as well as VIAC directly, but not yet answered.
If anybody has resources on calculations of mortgage costs comparison, we probably deeply need those :wink:

10

Rest of the story here !