3 bedrooms apartment in Haute-Nendaz!

Transcription

1 3 bedrooms apartment in Haute-Nendaz! Opportunity to seize Au centre de Haute-Nendaz Ref.: # Route des Ecluses 6

2 Table of contents Description page 3 Detailed characteristics and conveniences 4 Big pictures 6 Financial simulation 12 Non contractual document : :14:51 2 / 12

3 3 BEDROOMS APARTMENT IN HAUTE- NENDAZ! CH-, Au centre de Haute-Nendaz CHF 299'000.- Opportunity to seize Description 3 bedrooms apartment in Haute-Nendaz! Characteristics Reference : # Type : Triplex/Three-level Number of rooms : 4 Number of bedrooms : 3 Number of bathrooms : 1 Location floor : 5th floor Living area : ~ 87 sqm Weighted Surface : ~ 87 sqm Year of construction : 1979 Year of restoration : 2012 Heating system : Gas Domestic water heating system : gas Costs : CHF 6'000.-/year Share : 27 Availability : Immediate Inside parkings places : 1 Non contractual document : :14:52 3 / 12

4 Characteristics Reference # Location floor 5th floor Number of levels 5 Number of rooms 4 Number of bedrooms 3 Number of bathrooms 1 Number of toilets 2 Living area ~ 87 sqm Weighted Surface ~ 87 sqm Balcony Surface ~ 14 sqm Price/m² CHF 3'735.-/sqm Year of construction 1979 Year of restoration 2012 Heating system Gas Domestic water heating system gas Heating installation Floor Availability Immediate Costs CHF 6'000.-/year Share 27 Second home Yes Inside parkings places Altitude 1 CHF 30'000.- not included 1360 m Number of balcony 2 Conveniences Neighbourhood Outside conveniences Inside conveniences Equipment Village Balcony Lift/elevator Fitted kitchen Quiet Parking Penthouse Freezer Mountains Exposed beams Dishwasher Shops/Stores Furnished Phone Bank Chimney Internet connection Post office Bath Caretaker Restaurant(s) Separated lavatory Ventilation Bus stop Sauna Ski piste Recreationroom Ski resort Built-in closet Ski lift Cellar Cross-country ski trail Garage Hiking trails Ski storage Bike trail Double glazing Open kitchen Condition Orientation Exposure View Very good North Favourable Alps East Non contractual document : :14:52 4 / 12

5 Style Classic Non contractual document : :14:52 5 / 12

6 Pictures Non contractual document : :14:52 6 / 12

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12 Financial plan established for a selling price of 329'000.- Price 299'000.- Total park places price 30'000.- Purchase price 329'000.- Own capital (Acquisition costs included) 111'334.- Costs Purchase price 329'000.- Acquisition costs 3% 9'870.- Expenses of creation of mortgage file 1.2% 2'764.- Total acquisition 341'634.- Financing Own capital stock, min. 30% 98'700.- Mortgage 1st rank 213'850.- = 65% Mortgage 2nd rank 16'450.- = 5% Total Mortgage = 70% 230'300.- Annual Costs Mortgage interest 1st rank 1.5% 3'208.- Mortgage interest 2nd rank 1.6% Total interest 3'471.- Mortgage amort. 1st rank 1% 2'139.- Mortgage amort. 2nd rank 1% Total amortization 2'304.- Running/maintenance costs 1% 3'290.- Charges amount (CO) 6'000.- Total other costs 9'290.- Total per year 15'065.- Total per month 1'255.- Minimum income Total amortization 2'304.- Total other costs 9'290.- Total cost for minimum income calculation 11'594.- Minimum income per year 35'133.- Minimum income per month 2'928.- 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 : :14:52 12 / 12