Money that buyers themselves contribute towards the financing of their properties, e.g. savings, legacies, gifts, etc. Down payments should amount to at least 20% of the purchase price.
Annual gross earned income (before deduction of social contributions such as AHV, ALV, etc. and including 13th month's salary or other permanent salary components). Other regular income, e.g. from part-time work, can also be taken into account.
Calculation formula provided by UBS.