Mortgage application

Personal details Borrower 1 Borrower 2

Title

Surname

First name

Street, house number

Postal code, town

Country

Marital status Married Divorced Widowed Single Registered partnership

Married Divorced Widowed Single Registered partnership

Date of birth

Nationality

Residence permit

Telephone 1 (daytime, mobile)

Telephone 2

E-mail address

Type of employment Employed since Employed with hourly wage Self-employed Pensioner Not employed

Employed since Employed with hourly wage Self-employed Pensioner Not employed

Gross income or average net income over the past three years CHF CHF

Bonus (average of last three years) CHF CHF

Additional income (p. a.) CHF CHF

Total per borrower CHF CHF

Total income (borrowers 1 and 2) CHF

Alimony, maintenance payments (p. a.) CHF CHF

Credit instalments, leasing (p. a.) duration /obligation until:

CHF CHF

Interest on third-party loans (p. a.) CHF CHF

Repayments for third-party loans (p. a.) CHF CHF

Total per borrower CHF CHF

Total liabilities (borrowers 1 and 2) CHF

Have you been subject to debt collection proceedings over the past three years?

No Yes

No Yes

Projected affordability at retirement age (if the borrower is between 50 and 65 years old) Borrower 1 Borrower 2

Income at retirement age CHF CHF

Assets for asset depletion in retirement CHF CHF

Property

Type of property Owner-occupied single-family home

Rented single-family home* Owner-occupied freehold apartment

Rented apartment* Multi-family dwelling / Investment property *

* Annual rental income (excl. ancillary costs) CHF

Street, number

Postcode, town, canton

Year of construction

Are there building rights ? No Yes, until: Ground rent (p. a.) :

CHF

Third-party properties

Third-party properties existing? No Yes

Market value: CHF Current mortgage: CHF Rental income: CHF

Market value: CHF Current mortgage: CHF Rental income: CHF

Market value: CHF Current mortgage: CHF Rental income: CHF

Financing

Financing plan: Purchase financing or replacement of building loan Replacement of existing mortgage

Purchase price (excl. purchase costs) or investment costs

CHF

The following value is: Expert/bank valuation Construction costs Purchase price Other :

Additional costs + CHF Year of valuation

Total investment = CHF Property value CHF

Account assets CHF

Prepayment of inheritance, gift, or similar

+ CHF

Third-party loans + CHF

Advance withdrawal of Pillar 2 funds + CHF

Advance withdrawal of Pillar 3a funds

+ CHF

(Partial) redemption of 3b policy + CHF

Other: + CHF

Total = CHF

Mortgage CHF Mortgage CHF

Existing building loan CHF Current mortgage CHF

Proposed payout date (maturity date)

Proposed payout date (maturity date)

Replacement with Replacement with

Mortgage application 2

Mortgage application 3

Additional collateral

The following collateral can be pledged:Policy no./pension institution Surrender value, assets Annual premium

CHF CHF

CHF CHF

CHF CHF

“Home Option” preferential conditions

I (borrower 1 or 2) am eligible for the Swiss Life “Home Option” special conditions.

Exchange of information via e-mail

The exchange of e-mails harbours a particular risk that unauthorised parties can view and/or change the information that is exchanged, including the sender’s identity (e-mail address). Swiss Life assumes that by providing his/her e-mail address, the Applicant accepts these risks and consents to the exchange of mortgage information by e-mail.

Exchange of information via an intermediary

The Applicant notes that an agreement applies to referrals by a distribution partner (broker) according to which the broker receives a fee from Swiss Life. The Applicant authorises Swiss Life to inform the broker about the conclusion of any contract and its contents (in particular the amount and term of the mortgage). Swiss Life may also inform the broker if a mortgage is not granted.

Permission to collect information

The Applicant authorises Swiss Life to collect all the information required for the credit check, monitoring and administration of the mortgage from third parties.

Identification of the beneficial owner for the purpose of payment of interest and amortisation

The applicant hereby declares that the following person(s) is/are the beneficial owners of the assets to be transferred (interest and, if applicable, contractual amortisation/repayment). If the applicant him/herself is the sole beneficial owner of these assets, his/her personal details are to be documented below:

Last name, first name (Company name)

Date of birth (Date of foundation) Nationality Home address (Registered office)

It is a criminal offence to deliberately provide false information on this form (article 251 of the Swiss Criminal Code, document forgery). The applicant confirms that the information provided in relation to his/her identity or that of the beneficial owner is true and correct and undertakes to notify Swiss Life immediately of any changes in this connection.

Confirmation of tax compliance

The applicant hereby confirms that the assets used as equity capital and for financing the mortgage interest and amortization, are known to the relevant tax authority/authorities and have been declared in accordance with the applicable regulations.

Place, date

Signature

Borrower 1 Borrower 2

Please send the completed form and the corresponding documents to the following address :

Swiss Life Ltd, Mortgages, P.O. Box 2831, 8022 Zurich, Telephone 0800 873 872, hypotheken.service@swisslife.ch

Checklist of documents to be attached

Applicant’s details Where do you obtain these documents ?

Copy of ID, (if available) residence permit for foreign nationals, residence permit

Last tax return (incl. securities & credit balances form) and tax assessment Tax office

Balance statement of pledged collateral (second pillar, third pillar and/or vested benefits accounts to be pledged)

Financial institution

Pension certificate and/or statement of vested benefits account (from age 50) Financial institution

Declaration of nationality and status as US Person or Non-US Person Annex

Employed

Current salary statement(s) and payslips for the last three months Employer

Self-employed and/or employed by own company

Current extract from the commercial register (if available) Fiduciary

Balance sheet(s) and income statement(s) for the last three years (signed) Fiduciary

Audit reports for the last three business years (if available) Fiduciary

Details of the property and financing Where do you obtain these documents ?

Floor plans/building plans Seller, architect, builder-owner

Excerpt from land register (less than six months old) Seller, land registry, notary

Building description Seller, architect, builder-owner

Four to five current colour photos (exterior & interior views, in particular bathroom, kitchen, living room)

Seller

Building insurance certificate stating the year of construction and cubic volume. Alternative: statement of cubage in conformity with SIA standards (m3) and construction year of property

Cantonal building insurance company, seller, architect, builder-owner, real estate management

Overview/final statement of potential investments/renovations (year and purpose) Seller

Purchase

Contract of sale or draft Seller, notary

Building specifications or sales documentation Seller

Proof of equity capital Financial institution

Simulated pension fund statement following withdrawal of pension assets Financial institution

Consolidation of building loan

Contract of sale or draft Seller, notary

Account statement of building loan and current loan agreement (copy) Financial institution

General contractor’s contract and/or contract for work and services General contractor, builder-owner

Replacement of existing mortgage

Current mortgage loan contract and last interest statement Financial institution

Investment property financing

Current rent schedule (signed) Seller, real estate management

Freehold apartment financing

Information on level of renovation fund Seller, management of community of freehold apartment owners

Regulations for freehold apartments

Other documents

(Any) loan agreement (sum, interest, duration)

Contract for prepayment of inheritance/gift

Leasing/private loan contract (if available)

Divorce decree, separation agreement, alimony agreement (if available)

Building rights agreement (if leasehold property) Seller, land registry, notary

Use and reason for increasing the existing mortgage

Mortgage application 4

03.202

1

The following declaration must be completed and signed by each applicant prior to, or as part of, a business relationship.

I. Applicant and place of residence

First name, last name / company name

Date of birth (for natural persons)

Street, house number

Postcode, town, country

II. Determination of nationality/nationalities for natural persons Yes No

Are you a Swiss citizen?

Do you have a different or additional nationality?

If yes:

Nationality/nationalities

Place of birth

III. Determination of status as a US Person or Non-US Person Yes No

Are you a “US person”?

You are deemed a “US person” if you are subject to US tax laws for any reason. This is the case when you meet one of the criteria on the page 2.

If yes, please indicate your ITIN / EIN Number:

Natural persons (US Taxpayer Identification Number / ITIN)

Partnership (US Employee Identification Number / EIN)

IV. Change of status as a Non-US Person and duty of cooperation

The undersigned applicant hereby undertakes to inform Swiss Life immediately if his/her status as a Non-US Person under US tax law should change at any time following the conclusion of the requested mortgage, and consents to any disclosure to the US tax authorities.The applicant also consents to possible further investigations by Swiss Life if there is evidence to suggest that he/she has US Person status. He/she is aware that Swiss Life is obliged to disclose relevant information to the US tax authorities naming the individuals involved if such information is not provided within a reasonable period of time.

Place, date Signature

– –

–

Declaration of nationality and status as US Person or Non-US Person

03.202

1

Criteria for the status of “US person”

a) as a natural person you are deemed a “US person” if:

ɬ You are a US citizen (including dual or multiple nationality)

ɬ You hold a Green Card (permanent residence permit)

ɬ You are a resident of the United States

ɬ You have been physically present in the United States for a substantial number of days (substantial presence test):

– for 31 days in the current year, and

– for 183 days in the past three years, including the current year and the two years immediately prior to thecurrent year, according to the following formula:

number of days in the current year × 1+ number of days in the first preceding year × 1/3+ number of days in the second preceding year × 1/6= Total ≥ 183 days

ɬ You are a person subject to US tax laws for any other reason (including but not limited to dual residency, joint filing of tax return with a US person – for example spouse, and relinquishing of US citizenship or green card).

b) as partnerships, corporations and others you are deemed a “US person” if:

ɬ You are a partnership or corporation organised in the United States or under the laws of the United States or any State thereof

ɬ You are a trust, where (i) a court within the United States would have authority under applicable law to render orders or judgements concerning substantially all issues regarding administration of the trust, and ii) one or more US Persons have the authority to control substantial decisions of the trust

ɬ You are the estate of a decedent who was a citizen or resident of the United States.

Declaration of nationality and status as US Person or Non-US Person 2

Swiss Life LtdMortgagesP.O. Box 28318022 Zurichhypotheken.service@swisslife.ch

The following declaration must be completed and signed by each applicant prior to, or as part of, a business relationship.

I. Applicant and place of residence

First name, last name / company name

Date of birth (for natural persons)

Street, house number

Postcode, town, country

II. Determination of nationality/nationalities for natural persons Yes No

Are you a Swiss citizen?

Do you have a different or additional nationality?

If yes:

Nationality/nationalities

Place of birth

III. Determination of status as a US Person or Non-US Person Yes No

Are you a “US person”?

You are deemed a “US person” if you are subject to US tax laws for any reason. This is the case when you meet one of the criteria on the page 2.

If yes, please indicate your ITIN / EIN Number:

Natural persons (US Taxpayer Identification Number / ITIN)

Partnership (US Employee Identification Number / EIN)

IV. Change of status as a Non-US Person and duty of cooperation

The undersigned applicant hereby undertakes to inform Swiss Life immediately if his/her status as a Non-US Person under US tax law should change at any time following the conclusion of the requested mortgage, and consents to any disclosure to the US tax authorities.The applicant also consents to possible further investigations by Swiss Life if there is evidence to suggest that he/she has US Person status. He/she is aware that Swiss Life is obliged to disclose relevant information to the US tax authorities naming the individuals involved if such information is not provided within a reasonable period of time.

Place, date Signature

– –

–

Declaration of nationality and status as US Person or Non-US Person

03.202

1

Criteria for the status of “US person”

a) as a natural person you are deemed a “US person” if:

ɬ You are a US citizen (including dual or multiple nationality)

ɬ You hold a Green Card (permanent residence permit)

ɬ You are a resident of the United States

ɬ You have been physically present in the United States for a substantial number of days (substantial presence test):

– for 31 days in the current year, and

– for 183 days in the past three years, including the current year and the two years immediately prior to thecurrent year, according to the following formula:

number of days in the current year × 1+ number of days in the first preceding year × 1/3+ number of days in the second preceding year × 1/6= Total ≥ 183 days

ɬ You are a person subject to US tax laws for any other reason (including but not limited to dual residency, joint filing of tax return with a US person – for example spouse, and relinquishing of US citizenship or green card).

b) as partnerships, corporations and others you are deemed a “US person” if:

ɬ You are a partnership or corporation organised in the United States or under the laws of the United States or any State thereof

ɬ You are a trust, where (i) a court within the United States would have authority under applicable law to render orders or judgements concerning substantially all issues regarding administration of the trust, and ii) one or more US Persons have the authority to control substantial decisions of the trust

ɬ You are the estate of a decedent who was a citizen or resident of the United States.

Declaration of nationality and status as US Person or Non-US Person 2

Swiss Life LtdMortgagesP.O. Box 28318022 Zurichhypotheken.service@swisslife.ch

Strasse/Nr: 1: 2:

Zivilstand1: OffZivilstand2: OffErwerbsart1: OffErwerbsart2: OffBetreibungen1: OffBetreibungen2: OffLiegenschaftstyp: OffSchaltfläche0: Baurecht: OffWert entspricht: OffKontrollkästchen31: OffKontrollkästchen32: OffKontrollkästchen33: OffAnrede1: [ ]Anrede2: [ ]Name1: Name2: Vorname1: Vorname2: PLZ/Wohnort1: PLZ/Wohnort2: Geburtsdatum1: Geburtsdatum2: Telefon1KN1: Telefon1KN2: Telefon2KN1: Telefon2KN2: Jährliches Einkommen1: Bonus1: Einkommen Total pro Kreditnehmer1: 0Total Verpflichtungen: 0Jährliche Mieteinnahmen: Strasse&Nr: PLZ/Ort/Kanton: Baujahr: Andere: Schätzungsjahr: Liegenschaftswert: Bankguthaben: Erbvorbezug/Schenkung: Darlehen Dritte: Vorbezug Säule 3b: Text Sonstige: Sonstige: Gewünschtes Darlehen: Gewünschte Hypothek: Derzeitiges Darlehen: Derzeitige Hypothek: Voraussichtlicher Auszahlunstermin Darlehen: Voraussichtlicher Auszahlunstermin Hypothek: Ablösung bei Darlehen: Ablösung bei Hypothek: Kontrollkästchen1: OffKontrollkästchen2: OffKontrollkästchen3: OffKontrollkästchen4: OffKontrollkästchen5: OffKontrollkästchen6: OffKontrollkästchen7: OffKontrollkästchen8: OffKontrollkästchen9: OffKontrollkästchen10: OffKontrollkästchen11: OffKontrollkästchen12: OffKontrollkästchen13: OffKontrollkästchen14: OffKontrollkästchen15: OffKontrollkästchen16: OffKontrollkästchen17: OffKontrollkästchen18: OffKontrollkästchen19: OffKontrollkästchen20: OffKontrollkästchen21: OffKontrollkästchen22: OffKontrollkästchen24: OffKontrollkästchen25: OffKontrollkästchen26: OffKontrollkästchen27: OffKontrollkästchen28: OffKontrollkästchen29: OffKontrollkästchen30: OffJa1KN1: OffJa2KN1: OffNationalitäten1: Geburtsort1: Ja3KN1: OffiTIN1KN1: iTIN2KN1: iTIN3KN1: iTIN4KN1: iTIN5KN1: iTIN6KN1: iTIN7KN1: iTIN8KN1: iTIN9KN1: EIN1KN1: EIN2KN1: EIN3KN1: EIN4KN1: EIN5KN1: EIN6KN1: EIN7KN1: EIN8KN1: EIN9KN1: Ja1KN2: OffJa2KN2: OffNationalitäten2: Geburtsort2: Ja3KN2: OffiTIN1KN2: iTIN2KN2: iTIN3KN2: iTIN4KN2: iTIN5KN2: iTIN6KN2: iTIN7KN2: iTIN8KN2: iTIN9KN2: EIN1KN2: EIN2KN2: EIN3KN2: EIN4KN2: EIN5KN2: EIN6KN2: EIN7KN2: EIN8KN2: EIN9KN2: Alimente1: Kleinkreditraten1: Kleinkreditraten1Datum: Zinsen für Darlehen1: Amortisation für Darlehen1: Alimente2: Kleinkreditraten2: Kleinkreditraten2Datum: Amortisation für Darlehen2: Zinsen für Darlehen2: Nebenverdienst1: Jährliches Einkommen2: Bonus2: Nebenverdienst2: Einkommen Total pro Kreditnehmer2: 0Gesamteinkommen: 0Verpflichtungen Total pro Kreditnehmer1: 0Verpflichtungen Total pro Kreditnehmer2: 0Vorbezug Säule 3a: Vorbezug Säule 2: Mehrkosten: Kaufpreis: Total Eigene Mittel: 0Total Investitionen: 0Nationalität1: Nationalität2: Aufenthalt1: Aufenthalt2: E-Mail1: E-Mail2: Angestellt_seit1: Angestellt_seit2: Vorhaben: OffLand1: Land2: Baurecht Datum: Baurecht Betrag: WBName1: WBGeburt1: WBNat1: WBAdresse1: WBName2: WBGeburt2: WBNat2: WBAdresse2: WBName3: WBGeburt3: WBNat3: WBAdresse3: Ort, Datum1: Ort, Datum2: Einkommen Rentenalter_1: Einkommen Rentenalter_2: Vermögensverzehr Rentenalter_1: Vermögensverzehr Rentenalter_2: Drittliegenschaften: OffHome-Option: OffPolice1: Rückkaufswert1: Jahresprämie1: Police2: Rückkaufswert2: Jahresprämie2: Police3: Rückkaufswert3: Jahresprämie3: Mietzinseinnahmen_CHF_1: Aktuelle_Hypothek_CHF_1: Verkehrswert_CHF_1: Verkehrswert_CHF_2: Aktuelle_Hypothek_CHF_2: Mietzinseinnahmen_CHF_2: Verkehrswert_CHF_3: Aktuelle_Hypothek_CHF_3: Mietzinseinnahmen_CHF_3: