Some questions about buying house in CH...
First the basic situation. I am non-EU, my registered partner is EU (French). We live/work in Switzerland both with EU-B permits.
The thing that triggers all the following questions is that we are planning to buy a house in Switzerland. We even have already visited some houses and have a basic idea where and which we want to buy.
Here goes the questions.
1. About mortgage loan. Is the loan to buy house open for foreigners? What are the conditions (criterion) based on which the bank makes the decision?
2. My parents, who are non-EU and living in non-EU, have some spare money, and they are willing to support us to buy this house. Clearly with their money we can make a smaller loan. The thing is that we want to do it in this way that they "lend" us money other than "give" us money. So what procedure is needed to get a proof that we borrowed money from my parents and will return it later? Does a personal signed IOU or promissory note have lawful effect, or we have to get it notarized by some officials?
Thank you a lot if someone with similar conditions can share their experience.