Resolve goes through the criteria of all the lenders on the market to get you the best financial plan
Our calculator carries out up to a thousand operations to find the lender that best suits your profile and your project.
Turn your mortgage into a financial opportunity
Simulate your loan in just a few clicks using Switzerland's most accurate mortgage calculator.
Assess your buying capacity in just a few clicks
Our customers and partners talk about Resolve
I was able to successfully refinance my mortgage with peace of mind and confidence, supported by my Resolve advisor who was available and responsive. I highly recommend this organization.
Martine
Customer
Your questions on our calculator
How can your calculator be so accurate?
Our calculator takes into account all the criteria used by Swiss lenders and then uses machine learning algorithms, in this case the "gradient descending" to find the most accurate purchasing capacity.
It can do up to 1,000 iterations to make sure it has found the maximum amount that corresponds to the granting criteria.
How is the debt-to-income ratio calculated?
The debt-to-income ratio (or debt ratio) is the ratio between the theoretical costs related to your real estate and your gross income.
Theoretical costs are calculated based on an interest rate of 5% (that varies depending on the lender), theoretical amortization over 15 years, and theoretical costs of 1% of the value of your real estate.
The Resolve buying capacity calculator takes into account the calculation variations of all the lenders – use it to find the most competitive partner.
What is the loan-to-value ratio?
The loan-to-value ratio is the ratio of your mortgage loan to the value of your real estate.
For example, for real estate worth 500,000 CHF and a mortgage loan of 400,000 CHF, the loan-to-value ratio is 80%.
How are monthly payments calculated
The monthly payments for a mortgage loan are made up of the total of interest, monthly amortization, and any maintenance fees.
How are notary fees calculated?
Notary fees represent a percentage of the purchase price and are calculated according to the canton, which establishes its own rules. These fees include transfer tax, land registry registration, and notary fees.
The calculation is quite complicated and we have automated it in our mortgage simulator.
What is a proof of funding used for?
A proof of funding is used to prove that your project is in line with your financial situation. It freezes your situation concerning a project at a given time and, therefore, certifies its viability.
How can I get one?
By clicking here. Enter the details of your project and your situation to obtain a proof of funding in principle in a few clicks.
Find all the answers to your questions about mortgages or Resolve here.
Start your project with Resolve
Resolve supports you for the whole of your real estate project.
Construct your application, compare lenders, and get the best loan conditions in just a few clicks.