{"id":96,"date":"2014-05-14T10:48:24","date_gmt":"2014-05-14T09:48:24","guid":{"rendered":"http:\/\/maximumvalue.ch\/new\/?page_id=96"},"modified":"2014-05-28T14:42:06","modified_gmt":"2014-05-28T13:42:06","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/www.maximumvalue.ch\/?page_id=96&lang=en","title":{"rendered":"Real Estate Financing"},"content":{"rendered":"<div class=\"flex_column av_two_third  flex_column_div first  avia-builder-el-0  el_before_av_one_third  avia-builder-el-first  \" ><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p style=\"color: #000000;\">If you are planning to buy the house of your dreams, how will you finance it?<\/p>\n<p style=\"color: #000000;\">What costs will a lease incur? What are the tax consequences of the purchase?<\/p>\n<p style=\"color: #000000;\">How to pay off your debt?<\/p>\n<p style=\"color: #000000;\">What about the consequences of rising mortgage rates?<\/p>\n<\/div><\/section><\/div>\n<div class=\"flex_column av_one_third  flex_column_div   avia-builder-el-2  el_after_av_two_third  el_before_av_icon_box  \" ><div  class='avia-image-container  av-styling-    avia-builder-el-3  avia-builder-el-no-sibling  avia-align-center '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" width=\"180\" height=\"180\" class='wp-image-57 avia-img-lazy-loading-not-57 avia_image' src=\"http:\/\/maximumvalue.ch\/new\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-180x180.jpg\" alt='' title='stockvault-office-sign105491'   itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.maximumvalue.ch\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-180x180.jpg 180w, https:\/\/www.maximumvalue.ch\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-80x80.jpg 80w, https:\/\/www.maximumvalue.ch\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-36x36.jpg 36w, https:\/\/www.maximumvalue.ch\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-120x120.jpg 120w, https:\/\/www.maximumvalue.ch\/wp-content\/uploads\/2014\/05\/stockvault-office-sign105491-450x450.jpg 450w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/><\/div><\/div><\/div><\/div>\n<article  class=\"iconbox iconbox_left    avia-builder-el-4  el_after_av_one_third  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue841' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Mortgage simulation<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p style=\"color: #000000;\">In order to carry out a mortgage simulation, here is what you need to know.<\/p>\n<p style=\"color: #000000;\">The calculation for a purchase made in switzerland takes into account:<\/p>\n<ul>\n<li>a non-depreciable portion equal to 65% of the borrowed amount<\/li>\n<li>a set depreciable amount calculated over 20 years<\/li>\n<li>20% own funds<\/li>\n<li>annual financial burden &lt; 33%<\/li>\n<\/ul>\n<p style=\"color: #000000;\">\u00a0So we can help simulating your mortgage, you need to have:<\/p>\n<ul>\n<li>the purchase price of your property<\/li>\n<li>the amount of your capital<\/li>\n<li>your gross annual income<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-5  el_after_av_icon_box  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue821' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >First purchase<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p style=\"color: #000000;\">We walk you through the process of buying a property: from the assessment of your personal situation to the project\u2019s feasibility, from finding the best mortgage to the signature of deeds of property. Before offering you the best funding formula, Maximum Value advisors will prepare an analysis based on your personal, professional and family situation. This will ensure that your project is feasible according to general financial trends and developments in the housing market. Anticipating your future financial situation will help you make the best possible choice.<\/p>\n<p style=\"color: #000000;\">While a counselor attached to a particular organisation will only offer a certain type of product, Maximum Value brokers will open up new opportunities by offering several financing alternatives, thanks to their independent and neutral status.<\/p>\n<p style=\"color: #000000;\">Through Maximum Value\u2019s professional ethics, you will achieve independence from financial institutions.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-6  el_after_av_icon_box  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue825' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Secondary market<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p><span style=\"color: #000000;\">Since your last purchase, the mortgage market has evolved. A mortgage advisor will give you all the current and accurate information on your transaction as well as the subsequent necessary financing. This will ensure you get the best rate for a product best suited to your needs.<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-7  el_after_av_icon_box  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue839' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Renewal<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p><span style=\"color: #000000;\">Protect yourself against any fluctuations in interest rates when renewing your mortgage. At Maximum Value, we are committed to seeking the best products and conditions to your satisfaction. We are able to negotiate a competitive rate of interest and a financial product to best suit your needs.<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-8  el_after_av_icon_box  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue851' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Commercial mortgage<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p><span style=\"color: #000000;\">New products are available when purchasing, renting or refinancing an industrial commercial building. You may get capital for transactions such as: purchase, expansion, renovation, loan consolidation, &#8230;<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-9  el_after_av_icon_box  el_before_av_icon_box  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue891' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Refinancing<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p style=\"color: #000000;\">You wish to refinance your property by increasing your mortgage and consolidate personal debts to finance renovations or to invest.<\/p>\n<p style=\"color: #000000;\">At Maximum Value, we help you negotiate when refinancing your mortgage in order to get a better deal. Various factors need to be taken into account when refinancing: equity loan on your home, consolidation of other debts, renovations and improvements to the property.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n<article  class=\"iconbox iconbox_left    avia-builder-el-10  el_after_av_icon_box  avia-builder-el-last  \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue80c' data-av_iconfont='entypo-fontello'  ><\/div><h3 class='iconbox_content_title  '  itemprop=\"headline\"  >Self-employment<\/h3><\/header><div class='iconbox_content_container  '  itemprop=\"text\"  ><p style=\"color: #000000;\">Several institutions specialize in mortgage for self-employed individuals. Some of them are not well known, as they often are subsidiaries of large banks since they only deal with mortgage brokers.<\/p>\n<p style=\"color: #000000;\">Their eligibility criteria are different from those of traditional institutions, especially for the self-employed, which helps provide more attractive mortgage at a very interesting interest rate.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-96","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/pages\/96","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=96"}],"version-history":[{"count":4,"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/pages\/96\/revisions"}],"predecessor-version":[{"id":609,"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=\/wp\/v2\/pages\/96\/revisions\/609"}],"wp:attachment":[{"href":"https:\/\/www.maximumvalue.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=96"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}