Aarau AG — Example property
Aargau · 9 Flats · CHF 5.9m
Example property for illustration; the image is a visualisation. Guildroof is in formation and does not yet hold any property. The figures show how we calculate and report.
Profile
A 2024 timber-hybrid new build with nine flats in Aarau, the capital of the canton of Aargau — about half an hour by train from Zurich and Bern. Rooftop solar panels, garden, covered bike parking.
Key figures
- Purchase price
- CHF 5.9m
- Flats
- 9
- Year built
- 2024
- Canton
- Aargau
- Loan-to-value
- 60 %
- Mortgage
- CHF 3,540,000
- Equity
- CHF 2.60m
- Exp. return on equity*
- 4.9 %
- Minimum
- CHF 100,000
- Model
- Co-ownership in the land register
- Holding period
- 5–10 years
- Status
- Fully funded
Financial forecast
Simplified annual calculation from the key figures
| Rental income per year | CHF 228,800 |
|---|---|
| Management (15 % of rental income) | − CHF 34,300 |
| Mortgage interest (1.9 % on CHF 3.54m) | − CHF 67,300 |
| Distribution per year | CHF 127,200 |
| Distribution per month | CHF 10,600 |
| On a CHF 100,000 share, per month | CHF 408 |
Expected values, not guaranteed. Management includes maintenance plus the management and asset management fees; the individual fees are listed in the financial forecast in the data room. Maintenance, vacancy and interest may differ.
* Example property for illustration. Calculated with 60 % loan-to-value, 1.9 % interest, management at 15–22 % of rental income and 4 % ancillary costs. Not guaranteed.
Documents
In the data room, after verification
- Valuationafter verification
- Land register extractafter verification
- Floor plansafter verification
- Rent roll (redacted)after verification
- Financial forecastafter verification
Risks of this building
- 01
First letting: for a new building it is not yet certain how quickly all flats will be let for the long term.
- 02
Warranty: construction defects often appear in the first years; their repair depends on warranties and contractors.
- 03
Timber façades need regular maintenance.
