Property mortgage affordability calculation

Does anyone knows if Swiss banks will take into account while calculating affordability to buy a property in Switzerland:

  1. Foreign mortgages (decreasing affordability).
  2. Rental income from the property abroad (increasing affordability).

I guess if the take both into account and the mortgage is smaller than 50% value of rented property, overall it should result in increased affordability.

I guess that in the case your mortgage rate is not fixed enough it will lower your affordability in total, because they will not take into account the interest rate you are paying at the moment, but a higher average rate.


In that case what about not informing the bank both about property and the mortgage abroad? Would it be breaking a law/contract? Or would it be just “questionable ethically”?

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