Early Termination Mortgage Calculator

 

Useful information about the early termination mortgage calculator on moneyland.ch:

  • The early termination mortgage calculator on moneyland.ch makes it easy to calculate whether or not withdrawing from your mortgage agreement ahead of schedule is worth it for you.
  • You can find an overview of all relevant Swiss mortgage guide rates here.
  • You can find more Swiss mortgage calculators here.
  • You can find more information about early mortgage terminations here.
  • Whether or not you can withdraw from your existing mortgage ahead of schedule depends on the terms of your mortgage agreement, as do the conditions which apply to withdrawals. In every case you must pay attention to required notice periods.
  • The penalty fee or interest compensation also varies between lenders and mortgage agreements. The moneyland.ch calculator uses the most commonly used method of calculating compensation.
  • Tax deductions: Calculations assume that interest rates and early withdrawal interest compensation (but not administrative fees) are deducted from taxable income in full. Tax deduction regulations vary between cantons.
  • The marginal tax rate indicates the tax burden (as a percentage) which applies to the difference between the taxable income applicable in scenario 2 and scenario 1. It includes the following income taxes: federal income tax; cantonal income tax; municipal income tax; applicable church tax.
  • Calculations assume that the outstanding mortgage will remain constant and will not be amortized and that the new mortgage loan is identical to the old mortgage loan.
  • No rounding is applied to numbers entered. Results are rounded to the nearest 5 centimes.

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