Mortgages in Switzerland

At MultiCredit, we offer you a comprehensive solution to simulate and secure a mortgage on favorable terms, while guiding you to our trusted partner, PrestaFlex, to finalize your project. With our online simulation tool, you can quickly assess your borrowing capacity and explore all financing options tailored to your property profile. Here’s how the process works:

1. Access the Mortgage Simulation Tool

Intuitive, Secure Interface

• Simple Online Access: Visit the MultiCredit website and open our dedicated mortgage simulation module.
• Step-by-Step Guidance: The secure interface walks you through entering your personal, financial, and property-related details.

2. Enter Your Customized Information

Collect Financial Data and Project Details

• Income and Expenses: Enter your monthly income and all fixed outgoings (rent, existing loans, regular bills) so we can accurately gauge your repayment capacity.
• Employment Status & Credit History: Specify your professional situation and provide a brief overview of your credit record to fine-tune our analysis and the rate you may be offered.
• Property Details: Fill in information about the home you wish to purchase (type, location, estimated purchase price) as well as any down payment you plan to make.
• Loan Term Selection: Choose your preferred repayment period to see how it affects your monthly payments and the total cost of the loan.

3. Run Simulations & Compare Financing Scenarios

Interactive Calculations & Visualizations

• Advanced Algorithm: Our tool uses a powerful engine that factors in all your inputs to calculate the applicable interest rate, monthly installment, and total borrowing cost automatically.
• Scenario Comparison: Adjust term and loan amount to generate multiple plans. Interactive charts and tables help you compare options side-by-side and select the one that best fits your budget.
• Estimate of Ancillary Costs: Simulations include estimated processing fees and other related expenses, giving you a fully transparent view of all costs.

4. Expert Support & Introduction to PrestaFlex

Personalized Advice & File Optimization

• Post-Simulation Review: After your online simulation, a MultiCredit advisor will contact you to review the results together and recommend adjustments (e.g., increasing your down payment or changing the term) to optimize your financing conditions.
• Referral to PrestaFlex: To complete your mortgage process, we’ll introduce you to PrestaFlex. Their specialists will leverage their expertise to negotiate the best terms and ensure a smooth transition from simulation to loan disbursement.

5. Finalize & Activate Your Financing Offer

From Simulation to Concrete Offer

• Detailed Proposal: Once your file is optimized, MultiCredit will present you with a personalized financing offer detailing loan amount, interest rate, repayment term, and fund release schedule.
• Contract Signing & Disbursement: After you accept and sign, PrestaFlex will handle the final verification and release of funds, enabling you to move forward with your property purchase with complete peace of mind.

Why Use MultiCredit’s Simulation Tool?

• Clear insight into your borrowing power
• Interactive, transparent comparison of top mortgage options
• Personalized support from MultiCredit advisors
• End-to-end handling and fund release via our partner PrestaFlex

Start your simulation today on our website and get in touch with our experts to turn your real estate project into reality.

Article by Munur Aslan, Director of MultiCredit