Charming chalet, Ski in / Ski out in Haute- Nendaz! Non-residents allowed Chalet avec cachet, Ski in / Ski out Ref.: #1443243 Route des Ecluses 2
Table of contents Description page 3 Detailed characteristics and conveniences 4 Big pictures 5 Financial simulation 18 Non contractual document : 02.04.2018-08:49:24 2 / 18
CHARMING CHALET, SKI IN / SKI OUT IN HAUTE-NENDAZ! CH-, Chalet avec cachet, Ski in / Ski out CHF 590'000.- Non-residents allowed Description Charming chalet, Ski in / Ski out in Haute-Nendaz! Characteristics Reference : #1443243 Type : Chalet Number of floors : 2 Number of rooms : 4.5 Number of bedrooms : 3 Number of bathrooms : 1 Living area : ~ 92 sqm Surface of parcel : ~ 510 sqm Weighted Surface : ~ 102 sqm Year of construction : 1980 Heating system : Electricity, Wood Domestic water heating system : Electricity Availability : immediately Outside parking place/s : 3 included Non contractual document : 02.04.2018-08:49:24 3 / 18
Characteristics Reference #1443243 Number of floors 2 Number of rooms 4.5 Number of bedrooms 3 Number of bathrooms 1 Number of toilets 2 Number of balcony 1 Number of terraces 2 Living area ~ 92 sqm Weighted Surface ~ 102 sqm Surface of parcel ~ 510 sqm Balcony Surface ~ 20 sqm Price/m² CHF 5'784.-/sqm Year of construction 1980 Heating system Electricity, Wood Domestic water heating system Electricity Heating installation Radiator Availability immediately Second home Yes Outside parking place/s 3 included Construction zone H10 Altitude 1486 m Basement 1 Conveniences Neighbourhood Outside conveniences Inside conveniences Equipment Green Balcony Penthouse Fitted kitchen Quiet Terrace/s Mezzanine Phone Mountains Garden Exposed beams Cable/TV Ski piste Parking spaces Furnished Internet connection Ski resort Fireplace Ski lift Shower Hiking trails Separated lavatory Bike trail Built-in closet Storeroom Double glazing Bright/sunny Bath With character Open kitchen Floor Condition Orientation Sunning Tiles Very good North Favourable Carpet South View Style Alps Classic Non contractual document : 02.04.2018-08:49:25 4 / 18
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Financial plan established for a selling price of 590'000.- Price 590'000.- Own capital (Acquisition costs included) 199'656.- Costs Purchase price 590'000.- Acquisition costs 3% 17'700.- Expenses of creation of mortgage file 1.2% 4'956.- Total acquisition 612'656.- Financing Own capital stock, min. 30% 177'000.- Mortgage 1st rank 383'500.- = 65% Mortgage 2nd rank 29'500.- = 5% Total Mortgage = 70% 413'000.- Annual Costs Mortgage interest 1st rank 1.5% 5'753.- Mortgage interest 2nd rank 1.6% 472.- Total interest 6'225.- Mortgage amort. 1st rank 1% 3'835.- Mortgage amort. 2nd rank 1% 295.- Total amortization 4'130.- Running/maintenance costs 1% 5'900.- Total other costs 5'900.- Total per year 16'255.- Total per month 1'355.- Minimum income Total amortization 4'130.- Total other costs 5'900.- Total cost for minimum income calculation 10'030.- Minimum income per year 30'394.- Minimum income per month 2'533.- 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 : 02.04.2018-08:49:25 18 / 18