we decide buy our own house ,we living & working in Zürich now but buying house here is out of our budget so we decide buy house in Germany near to border , somewhere like Konstanz or waldshut or etc

would like to ask which city you recommending & why

tnx

First, are you allowed to live in Germany?

How do you plan to travel to work? This will have a large effect on preferable location.

Tom

Yes we do living there

I would recommend buying in Switzerland only, or rent. Zurich is a long commute from Germany. There are cheap houses in Aargau, and the French part. Buy a house in Germany to rent out if you must, but a mega commute will kill you, cost a lot, taxes will not be as nice. Mortgages more expensive, interest rate exposure.

There are mountain houses in Uri you can buy for less a than house near the overpriced German broder. (Commute is "fun" shall we say).

Just my thoughts.

we don't want buy cheap house middle of nowhere. We rent a 40m studio in Zürich for 2000 fr
we don't have problem for transportation
and about tax still we looking how will be for us because we don't want work in Germany so i think will be diffrent

so the house is just for the weekend?

Assuming you need a loan to buy this house, I'd think twice (probably seven or eight times, actually) about earning in Swiss francs and paying a mortgage in euros. Unless, of course, you believe the CHF and the EUR will forever be locked in a loving embrace at 1.2.

we don't think like this & don't compare francs by euro. We just don't have enough money buy house in Switzerland .that's it.

by the way my question here is totally something else. I asked about which city in Germany not about why we want buy there & what problem have in Germany or how we want travel for work

If you're paying 2k in Zurich for 40 sqm, you are doing something very wrong... I honestly don't get the sense that you know what you're doing (or trying to do)

I don't have reason to lie for my rent. If you know cheaper apartment in Zürich send me link pls

my text was clear enough. We have plan buy our own home & pay monthly loan instead of 2000 fr for a small cage which even is not for us. Which part make you confused?

In that case. Might I suggest Berlin. Good nightlife there.

But HOW you plan to travel to work determines WHICH city is best!

Tom

Frankfurt is also good, and the flying time is less than to Berlin!

Tom

The population in Germany is shrinking and aging rapidly, even disregarding the brain-drain to CH and Scandinavia ATM - a trend, BTW, that is absolutely irreversible under any realistic scenario.
In ten or fifteen years (max) the generation of my parents (post WW2-era) (or us, their heirs) is going to try to to sell their houses and flats they accumulated over six decades while they downsize, move to nursing homes or the cemetery outright.
Who is going to buy all that stuff being built and remodelled now, thanks to ultra-cheap money from the ECB?

You can do what you want, of course, but I would rather store all my money in my pillow than burden myself with the millstone that a house in Germany could be in fifteen years.

Add to that:
- the tax situation (rubbish)
- the commute (a negative highlight that will suck the life out of you)
- the fact that you're effectively hedging a multi-100k bet on the CHF-EUR exchange rate with no real exit strategy
- most likely, you will have to ask a German bank for a loan and that means you have to pay it back in full over 20y max (not a bad thing per-se, but keep it in mind)
- you won't be able to make up for this through the cheaper beef over the border. Nobody eats that much beef.

I'd love to be proven wrong, BTW. It pains me to see my home-country go down the drain.

How much do you want to spend for the house in Germany?
And how much of that would be a loan?

we working at home so don't need go everyday Zürich but our office is here so that's why we plan be near to Zürich as much as we can

about second part I didn't got what you mean

we have plan finish loan max in 5 years ,house which in Switzerland I should pay 1,000,000 fr I can buy 4 times cheaper I don't think so during 5 years fr and euro exchange a lot that we need save our money in pillow

300,000 euro & we can take loan Max 50% in Germany because we are not citizen

Apparently it is about an hour from Zurich to Waldshut - so not bad for a commute - however I suspect that it hopelessly optimistic - especially if you are traveling at peak times - so budget 90mins each way. Are you happy to do that?

Next up the financing, somewhere along the lines you will have to take an FX gamble - either on the asset (CHF mortgage) or the cashflow (CHF wages) - it could all work out nicely for you - but as the current Spanish housing crash has shown, it may not.

You may also be required to have a larger deposit - 20-30% depending on the property and your salaries - and any capital repayment schedule.

Then you have the tax issue - if you are registered in Germany you will almost certainly be liable for some, if not all, German income tax. This will take a big chunk out of your incomes.

Finally, don't rule out Switzerland - for a commute of about the same time there are plenty of hinter-land areas where property is far more affordable. Zurich-Oberland, Aargau, St Gallen (Seegaster), Glarus - the latter can have you in a nice place for <400,000chf - or a ruddy great big villa for 1mio.

Groaning others who are trying to understand the motive to the move in order to provide a more reasoned answer is "bad form".

EDIT:
300,000eur house = 375,000chf @ 50% LTV = 187,500chf @ 3% (20yr fixed) is approximately 900chf including capital repayment

Using the same amount of deposit will allow the purchase of a 800,000chf house - 625,000chf @ 1.5% (20yr fixed) is about 800chf in interest a month. You would be expected to also pay around 10,000chf a year capital repayment - another 800chf per month.

A word of advice, shima: groaning people in this thread who are trying to help you see the bigger picture (and then, inexplicably, thanking rainer_d for summarising those helpful pointers in one post) isn't going to endear you to the forum at large. We're here to help, but not if you're going to behave in that way.

I suggest you start by answering st2lemans' question: how do you plan to travel to work and where exacrly do you work? Otherwise the suggestions of buying in Berlin or Frankfurt are about as good as you'll get.

I don't think so somebody are here for help. they just finding a subject for teasing people here otherwise I wrote that I'm looking home in border .

so or your geography is too bad which don't know berlin in not in border

or you teasing me in both case you are not helping and you should get groan for your post that learn how behave in forums