Expenses for the lenders is 0,75 % of the total sum outstanding according to the annuity. To know the mode of the calculation of the annuity, please refer to the page:
Fixed-rate mortgage - Wikipedia
The annuity allows to the borrower to reimburse with the instalment every month the loan and interests at the same time. It means that the lender receives a part of his loan (amortisation) and a part of interest with every monthly instalment (the first payment must be performed a month after the outflow). Once a part is reimbursed by the borrower, it will no longer carry interest, only the outstanding amount continues to carry interest. Although the sum of the payment always remains the same, the ratio of amortisation to interest changes.
The calculator for the fees to be paid is at your disposal on this page: https://www.cashare.ch/en/money-investment/
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