For sale: Condominium apartment

For sale: Condominium apartment
New
Rue du Petit Vallon 28
3963 Crans-Montana
Ref.: Petit Vallon A15
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
FOR SALE: CONDOMINIUM APARTMENT
CHF 160'000.-
CH-3963 Crans-Montana, Rue du Petit Vallon 28
New
Characteristics
Reference : Petit Vallon A15
Type : Condominium apartment
Number of rooms : 1
Number of bedrooms : 1
Number of bathrooms : 1
Location floor : 1st floor
Living area : 22 sqm
Year of construction : 1982
Year of restoration : 2013
Heating system : Gas
Domestic water heating system :
gas
Costs : CHF 905.-/year
Remodelling fund participation :
CHF 485.-/year
Availability : immediately
Non contractual document : 08.02.2017 - 11:25:06
2 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Characteristics
Reference
Petit Vallon A15
Location floor
1st floor
Number of rooms
1
Number of bedrooms
1
Number of bathrooms
1
Number of toilets
1
Living area
22 sqm
Balcony Surface
6 sqm
Year of construction
1982
Year of restoration
2013
Heating system
Gas
Domestic water heating system gas
Heating installation
Radiator
Availability
Costs
CHF 905.-/year
Remodelling fund participation CHF 485.-/year
Second home
Yes
Number of balcony
1
300 m
Cable car
300 m
immediately
Distances
Commerces
Conveniences
Neighbourhood
Outside conveniences
Inside conveniences
Equipment
Green
Balcony
Without elevator
Furnished kitchen
Quiet
Parking spaces
Cellar
Cable/TV
Mountains
Ski resort
Floor
Parquet floor
View
Rural
Condition
Renovated
Orientation
South
Sunning
Good
Style
Classic
Non contractual document : 08.02.2017 - 11:25:07
3 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Pictures
Non contractual document : 08.02.2017 - 11:25:07
4 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
5 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
6 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
7 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
8 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
9 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Non contractual document : 08.02.2017 - 11:25:07
10 / 11
Agence Les Grillons
Rue du Prado 10
3963 Crans-Montana
Phone 027 481 41 61
Fax 027 481 41 32
[email protected]
www.lesgrillons.ch
Financial plan established for a selling price of 160'000 .Price
Own capital
Costs
Purchase price
Acquisition costs
Total acquisition
Financing
Own capital stock, min.
Mortgage 1st rank
Mortgage 2nd rank
Total Mortgage
Annual Costs
Mortgage interest 1st rank
Total interest
Mortgage amort. 1st rank
Mortgage amort. 2nd rank
Total amortization
Running/maintenance costs
Charges amount (condominium ownership)
Remodelling fund participation
Total other costs
160'000 .64'000 .-
3.5%
160'000 .5'600 .165'600 .-
40%
64'000 .96'000 .0 .-
3%
2'880 .-
1%
1%
960 .0 .-
= 60%
= 0%
= 60%
2'880 .-
960 .800 .905 .485 .2'190 .-
Total per year
Total per month
6'030 .503 .-
Minimum income
Total amortization
Total other costs
Total cost for minimum income calculation
960 .2'190 .3'150 .-
Total per year
Total per month
Ratio
Costs/income ratio
96'000 .-
9'545 .795 .-
= 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 : 08.02.2017 - 11:25:07
11 / 11