Becoming a homeowner in Switzerland
Find out how to become a homeowner in Switzerland: budget, own funds, bank requirements, taxation and key steps, all explained in simple terms to secure your property purchase. Learn how to calculate your debt ratio, structure your down payment, compare mortgage offers, and anticipate additional costs so you can turn your home-buying plan into a well-informed and sustainable decision.
Mortgage amortization plan: calculate your schedule
Create your amortization plan for a mortgage loan in Switzerland: calculate your monthly repayments, interest, repaid capital and remaining loan balance.
Mortgage Over-Indebtedness: Causes, Risks, Prevention
Discover the causes of mortgage over-indebtedness in Switzerland, the risks for your budget and the solutions to prevent an excessive financial burden.
SNB policy rate: impact on real estate and mortgages
Understand how the SNB policy rate affects mortgages, the SARON rate, the Swiss property market and the financing of your home purchase in Switzerland.
Rental investment: buy and rent an income property
Rental investment and income property: how to buy to rent, invest in Swiss real estate, and aim for positive returns with a well-structured mortgage plan.
Energy renovation: grants and tax deductions in Switzerland
Energy renovation in Switzerland: renovation grants, thermal insulation, tax deductions and mortgage financing with a specialist Swiss mortgage broker.
Can you transfer a mortgage from one bank to another?
Can you transfer a mortgage loan from one bank to another before maturity? How does it work, and what risks or early repayment penalties apply in Switzerland?
How to deduct mortgage loan interest in Switzerland
Mortgage interest deduction in Switzerland: when it is allowed, which interest is deductible, and which costly tax mistakes you should avoid in your return.
How to Calculate Rental Yield in Switzerland?
Rental yield: learn how to calculate the profitability of your properties and assess your Swiss real estate return before taking out your mortgage.
How to calculate your debt ratio in Switzerland?
Debt ratio in Switzerland: definition, calculation and practical examples for your mortgage in Switzerland. Assess your debt ratio and borrowing capacity, and prepare your budget with a mortgage broker.
Mortgage: how much are the application fees in Switzerland?
How much are the application fees for a mortgage in Switzerland? Calculation, how they work, and tips for negotiating them.
Positive cash flow for a rental property investment: how to calculate it and achieve it
How can you achieve positive cash flow with a rental property investment? Detailed calculation and strategies to improve your project’s profitability.
Building Insurance in Switzerland: Coverage, Requirements and Rates
Everything you need to know about building insurance in Switzerland: coverage, cantonal requirements, rates and tips for making the right choice.
Condominium Fees in Switzerland: Definition and Calculation
What are condominium fees in Switzerland? Find out how they are calculated and distributed among co-owners.
Renovation Fund in Condominium : Legal and Best Practices
Renovation fund in Swiss condominium ownership: rules, annual contributions, legal framework, association advice, projections and tax points for PPE owners.
How to choose the right mortgage in Switzerland?
How can you find the best mortgage in Switzerland and choose the right home loan type—fixed, variable or mixed—to obtain the best financing conditions?
How much can I borrow to buy my home in Switzerland?
Calculate your real estate borrowing capacity in Switzerland: a simple method, examples, a chart, and tips to see how much you can borrow for the best mortgage
Tax deductions in Switzerland: what can you deduct and how much?
Deductible expenses, imputed rental value, maintenance, renovations: find out how to reduce your taxes and how much you can actually deduct.
Second pillar (BVG/LPP) withdrawal for a property purchase: how much, when, tax cost?
Can you withdraw your second pillar (BVG/LPP) for a property purchase in Switzerland? Learn how much you can take, whether it makes sense, and the tax consequences.
Imputed Rental Value in Switzerland: Calculation and Tax
How does imputed rental value work in Switzerland? Definition, cantonal calculation methods and tax implications for owner-occupiers.
Mortgage loans in Switzerland: understanding mortgage financing
Financial capacity, home loans and mortgages: discover how to finance your home in Switzerland
Buying vs renting: how do you decide and make your choice?
Buying or renting a property: how do you choose? How much can you save if you buy? What criteria should you consider? How can you compare the two options?
Land registry fees in Switzerland: how to calculate them?
What are land registry fees when buying a property with a mortgage? How are these costs calculated for the official registration confirming that you are the new owner?
Notary fees in Switzerland: how to calculate them?
Notary fees in Switzerland: how sale deed, land registry, mortgage deed, taxes, transfer duties and fees are calculated when buying property with a mortgage.
Mortgage duration: what is the duration of a mortgage loan in Switzerland?
Mortgage duration: Number of years, its impact on risk, flexibility and total cost of your mortgage.
