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Old 28.08.2020, 17:33
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Re: New schätzung after purchasing home

You live in Zurich. So it would be by GVZ.

An assessment should be done every 12 to 15 years.
https://infothek.gvz.ch/pages/viewpa...pageId=1257549

Insurance premium is CHF 0.32 / CHF 1k. Or in other words CHF 320 per 1 M, or 0.032% of the value. Thats is per year, not per month. And it is the buildings value. Not the real estates value. Actually the price to rebuild the thing from scratch.
https://infothek.gvz.ch/pages/viewpa...ffb4d6e9cc3b3e

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From what the notar and real estate people have advised, its stupid to get a new evaluation because then the monthly ins. premium goes up which makes sense, but I am more concerned with something happening to the home and them not wanting to cover the amount it would take to fix or rebuild.
Let us assume it costs 1M to rebuild the house and you currently pay CHF 0 per month. In that case the monthly insurance costs increases by CHF 27. Or less than a total of CHF 10k in 30 years. Yes, that is real money. But is it a lot? Decide for yourself.
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