Borrow in euros or francs: test exchange-rate risk
Repayments and debt: both sides of exchange-rate risk.
Currency & housing
Cross-border borrowing capacity: insurance included
Plan your borrowing capacity in the same currency as your project, including the commitments your bank will consider.
Editable example · calculation assumptions, not an offer
Alperea Assurances
Your calculation
A benchmark of 35 % of income for debt repayments, including insurance, without bank approval. The haircut on CHF income is your assumption, not a rule shared by all lenders.
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Scenario kept on this page
Understanding this result
Actual currency conversion, with insurance in the budget.
CHF income is converted into euros, with an optional assumed haircut. Other loan repayments are deducted from the 35 % benchmark. Monthly insurance is taken out of this allowance before calculating the amortising loan capital, including at zero interest.
Does the result amount to credit approval?
No. The bank also considers income stability, living expenses, your deposit, guarantees and case-specific criteria. There is no uniform haircut rule for CHF income.
Sources and method
Method checked on Oct 21, 2026
