Uster ZH — Example property
Zurich · 10 Flats · CHF 6.8m
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 2019 new build with ten flats in Uster, the district town on Lake Greifensee — about a quarter of an hour from Zurich by S-Bahn. Solid construction, green flat roof, a balcony for every flat. A building that should need little maintenance in its first years.
Key figures
- Purchase price
- CHF 6.8m
- Flats
- 10
- Year built
- 2019
- Canton
- Zurich
- Loan-to-value
- 60 %
- Mortgage
- CHF 4,080,000
- Equity
- CHF 2.99m
- Exp. return on equity*
- 4.8 %
- Minimum
- CHF 100,000
- Model
- Co-ownership in the land register
- Holding period
- 5–10 years
- Status
- Subscription open
Financial forecast
Simplified annual calculation from the key figures
| Rental income per year | CHF 260,200 |
|---|---|
| Management (15 % of rental income) | − CHF 39,000 |
| Mortgage interest (1.9 % on CHF 4.08m) | − CHF 77,500 |
| Distribution per year | CHF 143,600 |
| Distribution per month | CHF 12,000 |
| On a CHF 100,000 share, per month | CHF 400 |
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
Interest rates: the mortgage has a fixed term; on refinancing, rates may be higher.
- 02
Value: new builds around Zurich are bought at high prices; falling prices hit them first.
- 03
Vacancy between tenants can reduce the distribution in individual months.
