Project in the centre of Haute-Nendaz!

Transcription

1 Project in the centre of Haute-Nendaz! Non-residents allowed Projet au centre de Haute-Nendaz! Ref.: # Route des Ecluses 2

2 Table of contents Description page 3 Detailed characteristics and conveniences 4 Big pictures 5 Financial simulation 10 Non contractual document : :49:18 2 / 10

3 PROJECT IN THE CENTRE OF HAUTE- NENDAZ! CH-, Projet au centre de Haute-Nendaz! CHF 195'000.- Non-residents allowed Description Project in the centre of Haute-Nendaz! Ground floor 2 bedrooms, shower and toilet, bathroom, technical room, garage and storage room 1st floor Kitchen, dining room, living room, balcony and terrace Special features Included in the price: project, plot and the authorisation. Characteristics Reference : # Type : Custom-built chalet Number of floors : 2 Number of rooms : 3.5 Number of bedrooms : 2 Number of bathrooms : 2 Living area : ~ 100 sqm Surface of parcel : ~ 504 sqm Weighted Surface : ~ 120 sqm Heating system : Gas, Wood Domestic water heating system : gas Availability : immediately Non contractual document : :49:19 3 / 10

4 Characteristics Reference # Number of floors 2 Number of rooms 3.5 Number of bedrooms 2 Number of bathrooms 2 Number of toilets 2 Number of balcony 1 Number of terraces 1 Living area ~ 100 sqm Weighted Surface ~ 120 sqm Surface of parcel ~ 504 sqm Balcony Surface ~ 22 sqm Terrace surface ~ 27 sqm Heating system Gas, Wood Domestic water heating system gas Availability immediately Second home Yes Construction zone H20 Altitude 1348 m Conveniences Neighbourhood Outside conveniences Inside conveniences Equipment Village centre Balcony Penthouse Fitted kitchen Mountains Terrace/s Exposed beams Restaurant(s) Garden Unfurnished Bus stop Swedish stove Nursery Shower Ski piste Garage Ski resort Storeroom Ski lift Double glazing Hiking trails Bright/sunny Bike trail Bath Open kitchen Floor Condition Orientation Sunning At your discretion To build South Good View Style Mountains Modern Non contractual document : :49:19 4 / 10

5 Pictures Non contractual document : :49:19 5 / 10

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10 Financial plan established for a selling price of 195'000.- Price 195'000.- Own capital (Acquisition costs included) 65'988.- Costs Purchase price 195'000.- Acquisition costs 3% 5'850.- Expenses of creation of mortgage file 1.2% 1'638.- Total acquisition 202'488.- Financing Own capital stock, min. 30% 58'500.- Mortgage 1st rank 126'750.- = 65% Mortgage 2nd rank 9'750.- = 5% Total Mortgage = 70% 136'500.- Annual Costs Mortgage interest 1st rank 1.5% 1'901.- Mortgage interest 2nd rank 1.6% Total interest 2'057.- Mortgage amort. 1st rank 1% 1'268.- Mortgage amort. 2nd rank 1% 98.- Total amortization 1'366.- Running/maintenance costs 1% 1'950.- Total other costs 1'950.- Total per year 5'373.- Total per month Minimum income Total amortization 1'366.- Total other costs 1'950.- Total cost for minimum income calculation 3'316.- Minimum income per year 10'048.- Minimum income per month Ratio Costs/income ratio = 33% Remarks: - Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income. - Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets. From 1st September 2014 (New Guidelines of the SBA): - Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years) - The lending value of real estate will be based on the market value or the purchase price, whichever is lower. - Second incomes are now normally eligible only in the case of joint and several liability. This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank. Non contractual document : :49:19 10 / 10