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Property portfolio management · Fribourg
Your properties, mortgages and Fribourg taxes in one tool. Returns, remaining debt, price per m² in your municipality, resale price and listings scored every day, in CHF.
Why PatriNova
No more scattered spreadsheets and mortgage maths redone by hand. PatriNova brings your properties, loans and taxes together so you always know what your portfolio is worth, what you still owe and what it earns you.
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Fribourg municipalities with their average price per m²
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property types, from studio to storage
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listings analysed in the first Market snapshot
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of projection, year by year
Features
Net worth, debt, cash flow and rents of all your properties, where every franc of rent goes, the split by municipality and type, alerts and a 20-year projection. Drag and drop any block to move it, collapse it or widen it: you build your own dashboard.
Import the plan: Claude finds the rooms and builds the model, with a clickable marker per zone.
Address, map and the municipality's average price per m², adjusted to the property type.
Rate rises, empty units, falling prices: cash flow and wealth for the whole portfolio, and the rate at which it turns negative.
Direct amortisation and remaining debt, fixed-rate maturities, renewal cost and possible refinancing on each property.
Income tax with a 10% or 20% upkeep flat rate, a yearly summary per property for your tax return, and property gains tax by holding period.
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How it works
The Market
Every day, PatriNova reads the listings in your municipalities and the commercial premises across the canton, and scores them for your situation: price versus market, estimated rent and yield, cash flow with your financing. An expert review reads the photos to judge location, view and condition, and suggests an offer.
Rue de Lausanne 21
CHF 510’000
90 m² · −27% per m²
Route Wilhelm-Kaiser 1
CHF 582’000
82 m² · −9% per m²
Address on request
CHF 450’000
180 m² · −44% per m²
Examples from the 28 October 2026 snapshot in Fribourg and the canton (immobilier.ch). Scores use default criteria, adjustable in the tool.
Portfolio
Bulle
Fribourg
Sarine
Light-industry zone
Enter the address: the municipality's price per m² shows at once.
Calculations
3,77 %gross yield · Pérolles
What each property earns, month by month.
CHF 406’000debt after 10 years
What you still owe, at any time.
CHF 750’802estimated price end of 2033
What you keep if you sell.
Frequently asked questions
In your private claude.ai space when you use the tool online, or in your browser with the local version. The Backup button copies all your data as text so you can keep or re-import it.
From RealAdvisor averages of October 2026 for 75 Fribourg municipalities, apartments and houses. For a rental building, commercial premises or storage, the price is adjusted to the type. You can also enter your own reference price.
Income tax: rents minus interest and upkeep (10% or 20% flat rate, or actual costs if better), times your marginal rate. Property gains tax: Fribourg scale from 22% to 10% by holding period. These are estimates to check with your fiduciary.
Not necessarily. The tool applies your monthly amortisation and shows the debt left at the end of the term. After that, it assumes a renewal on the same terms.
From immobilier.ch results pages for the municipalities you follow, plus commercial premises, offices and industrial property across the canton, read every day by the server. PatriNova keeps the listing date and price history, which reveals price cuts and withdrawn listings.
The overview works out the highest price a bank would finance on top of your portfolio: 20% own funds plus fees, and the one-third rule across all your mortgages (5% theoretical interest, 1% upkeep, 80% of rents counted). It also gives the amount with your properties refinanced, and opens the Market filtered to that budget.
Every new listing gets an expert review written by Claude, Anthropic's AI model. It looks at up to 8 photos, the address, the municipality's average price per m², time on the market and price cuts. It rates location, view, condition and finish, costs the works, then gives an estimated value, an opening offer and a price not to exceed. A first read that does not replace a visit.
It combines the price gap (40%), the estimated gross yield (35%) and cash flow with your financing (25%). The gap is measured against the expert's estimated value when there is one, otherwise against the municipality's average price per m². A listing you could not finance under the one-third rule loses 10 points. Above 68 it's a good deal; below 45 it's too expensive.
Yes on patrinova.ch: the Google map shows as soon as the address is entered. In the version of the tool hosted by Claude, which cannot embed an external map, a button opens the address in Google Maps.
Add your properties, their address and your loan: everything else is calculated.