How many leasing contracts are allowed for a mortgage to be approved

Hello,

I want to buy a house. I have a small issue of own funds but I found a bank that is willing to move forward with me. From the simulation at 2.4% rate, I’m at 24% within the effort range for a loan of 1.2M. I have a car leasing of 313 chf per month and I wanted to buy a motorcycle of 10k of value to use to go to work. I want also want to buy it via leasing at 60 months that will add 150 chf to the expenses.

if I have 2 leasings will this affect the risk analysis or my negotiation capacity with the bank? Or a 150 chf per month on a second leasing won’t make a difference.

thank you

Good day

I cannot tell you if the bank will ask you questions about other debts such as leasing. But it is quite possible that they will because its important.

Basically, I think it weakens your negotiating position if the bank knows about your leasing, especially because you already have little equity for the house purchase.

Regardless of the bank, though, I would think twice about whether you can afford the house and the two leasing (even if something goes wrong or interest rates go up).

Best regards

Sebi