A clear basis for your next decision.
What does a sale
make possible?
From the sale proceeds to a new investment. A financial decision about capital, income and risk.
Illustrative assumptions. Replace them with your own figures.
After debt, entered transaction costs and tax budget.
Provisional until sale taxes have been assessed.
What could follow the sale?
Allocate the immediately available proceeds. Compare the effect of investing without debt or with property financing.
Costs & risk assumptions
First-year cash flow · before personal tax
Constant property value; interest on remaining debt. Total includes illiquid property equity. Before personal/property taxes and future sale costs.
What remains
from your property?
See what remains after financing, how much pressure the property can withstand and where your purchase-price limit lies.
After interest and amortisation. Before personal and property taxes.
Annual cash flow in your stress scenario
At your target return and stress coverage, holding rents and costs fixed. A financing limit, not a valuation.
Scheduled rent needed to cover entered costs, interest and amortisation.
Interest × vacancy · annual cash flow before tax
| Vacancy / interest | 2.50% | 3.50% | 4.50% |
|---|---|---|---|
| 3.00% | 57’950 | 37’350 | 16’750 |
| 8.00% | 49’700 | 29’100 | 8’500 |
| 13.00% | 41’450 | 20’850 | 250 |
Your figures show the property's annual cash flow before tax, including your interest and amortisation assumptions. For foreign purchasers, residence, nationality, control and actual property use must be assessed separately.
JOEL SCHMID · FOUNDERA banker's understanding.
An owner's perspective.
I know finance from the banking side. And investment decisions from putting my own capital to work.
My career spans Credit Suisse, Raiffeisen, PostFinance and Valuu. Alongside banking, I built my own experience in property investment, financing and development—from a first apartment to larger investment projects.
Today I work selectively with entrepreneurs and investors. Company sales, negotiations and the next use of capital are particular areas of focus. I enjoy finding the commercial logic and bringing the right people together. Direct, discreet and personally involved.
Also a partner at Capital Protect. The relevant firm, services and responsibilities are clarified for each mandate.
A coffee.
A conversation.
A new perspective.
An interesting project. A question that deserves a second opinion. Or an introduction with potential. That is a good place to start.
Coffee in Zurich · Lunch · Video from anywhereconnect@jbschmidconsulting.com