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Old 24.02.2014, 14:30
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Swiss real estate investment opportunities - research

Contacts of mine (C permits holders) are doing research about Swiss real estate market to see if there are interesting investment opportunities still in the market which has already gone up quite a bit. As interest rates are so low in Switzerland and it is possible to fix the financing for 10 years with the banks, is it a good idea to invest in Swiss real estate and where? I was told that major cities with strong employment are interesting as there is demand for housing, so investing in an apartment building could be an interesting investment. Supposedly places like Basel or Bern have higher gross yields then Zurich where prices are already high.


Also the Swiss national bank is worried that Swiss real estate might be in a bubble...


German part of Switzerland appears to be more dynamic and less of a bubble than places like Geneva area.


Does anybody here have experience with investing in Swiss real estate (e.g. buying an apartment building and setting up a Swiss AG real estate company that owns the building) and then renting out these apartments for rent? Can be either buying a building for renovation or buying land and building a building on it.


Any suggestions of good websites to check out? Any suggestions in terms of areas to consider that are dynamic and still good value or any other suggestions would be appreciated.
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Old 25.02.2014, 04:22
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Re: Swiss real estate investment opportunities - research

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Contacts of mine (C permits holders) are doing research about Swiss real estate market to see if there are interesting investment opportunities still in the market which has already gone up quite a bit.
That's great. When they've finished their research, maybe you could post the results and hopefully share the answers to the questions you've listed?
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Old 25.02.2014, 10:49
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Re: Swiss real estate investment opportunities - research

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That's great. When they've finished their research, maybe you could post the results and hopefully share the answers to the questions you've listed?




Will do. Do you have any suggestions, input?




Is it more difficult to get financing from Swiss banks for a real estate AG company that owns an apartment building with tenants, rather than if this building was owned by an individual and then the mortgage is in the name of this individual? Are Swiss banks open to having their mortgage secured by the rental income from an apartment building owned by a Swiss AG and this AG holds the mortgage? Any inputs on securing financing for investment properties would be appreciated
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Old 25.02.2014, 10:57
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Re: Swiss real estate investment opportunities - research

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Will do. Do you have any suggestions, input?




Is it more difficult to get financing from Swiss banks for a real estate AG company that owns an apartment building with tenants, rather than if this building was owned by an individual and then the mortgage is in the name of this individual? Are Swiss banks open to having their mortgage secured by the rental income from an apartment building owned by a Swiss AG and this AG holds the mortgage? Any inputs on securing financing for investment properties would be appreciated
i guess the only way to find out would be to ask them.
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Old 25.02.2014, 10:57
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Real estate investments - how to get financing from Swiss banks for AG company?

Is it more difficult to get financing from Swiss banks for a real estate AG company that owns an apartment building with tenants (which generates rental income), rather than if this building was owned by an individual and then the mortgage is in the name of this individual? Are Swiss banks open to having their mortgage secured by the rental income from an apartment building owned by a Swiss AG and this AG holds the mortgage? Any inputs on securing financing for investment properties would be appreciated? financing for commercial properties...


Thank you
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Old 25.02.2014, 11:03
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Re: Swiss real estate investment opportunities - research

Go to the banks with the proposals of what you want to do - and ask!!

You need to make sure you really know your numbers before you even ask
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Old 25.02.2014, 11:16
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Re: Swiss real estate investment opportunities - research

Threads merged, as both questions are about the same thing.
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Old 25.02.2014, 12:06
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Re: Swiss real estate investment opportunities - research

Oh god! Not another one!

Not only do we have to put up with individual expats seeing $$$ signs scrolling through their eyes but people wanting to buy a whole building and renting it out!

This is not a real estate business advice forum! You want to secure financing for a whole building in Zuerich as a C-Permit holder! You better have a lot of contacts and a lot of balls to do that! If you're asking the question on the EF you probably shouldn't even bother

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Old 25.02.2014, 12:15
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Re: Swiss real estate investment opportunities - research

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Will do. Do you have any suggestions, input?




Is it more difficult to get financing from Swiss banks for a real estate AG company that owns an apartment building with tenants, rather than if this building was owned by an individual and then the mortgage is in the name of this individual? Are Swiss banks open to having their mortgage secured by the rental income from an apartment building owned by a Swiss AG and this AG holds the mortgage? Any inputs on securing financing for investment properties would be appreciated
Assuming you want to borrow 50% or less it should be no problem.
The mortgage is secured on the property, it makes no difference if it's a company or an individual.
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Old 25.02.2014, 12:38
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Re: Swiss real estate investment opportunities - research

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The mortgage is secured on the property, it makes no difference if it's a company or an individual.
Sometimes you come out with the most random stuff fatman

Of course it makes a difference, both entities have different risk profiles, first one is a buy to let the other is an individual owner occupier, perhaps a second home buyer... all of these factors make a massive difference...

I have no idea what planet the OP is on, finding a whole building to buy in Zuerich is unheard of, building a new building takes years and years of planning and costs a fortune and is highly speculative and is left to construction companies and people with very deep pockets.
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Old 25.02.2014, 12:55
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Re: Swiss real estate investment opportunities - research

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Sometimes you come out with the most random stuff fatman

Of course it makes a difference, both entities have different risk profiles, first one is a buy to let the other is an individual owner occupier, perhaps a second home buyer... all of these factors make a massive difference...

I have no idea what planet the OP is on, finding a whole building to buy in Zuerich is unheard of, building a new building takes years and years of planning and costs a fortune and is highly speculative and is left to construction companies and people with very deep pockets.
We are talking about investment properties in this thread, nothing to do with owner occupiers or second homes With a 50% deposit not a massive risk to the bank, as I said they won't be that bothered either way.

Pension funds buy & sell buildings, I have seen whole buildings advertised with yield quoted in ZH so it's quite possible. The OP could contact pension funds for a start.......
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Old 25.02.2014, 13:03
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Re: Swiss real estate investment opportunities - research

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We are talking about investment properties in this thread, nothing to do with owner occupiers or second homes With a 50% deposit not a massive risk to the bank, as I said they won't be that bothered either way.
Let me know when fatman bank opens cos I'd like to borrow money from your bank!

"If you owe your bank a hundred pounds, you have a problem. But if you owe a million, it has."

- John Maynard Keynes


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Pension funds buy & sell buildings, I have seen whole buildings advertised with yield quoted in ZH so it's quite possible. The OP could contact pension funds for a start.......
So you're suggesting the OP as a private individual / or his "friends" contact pension funds to buy a buildings directly from them?
Yeah... Good luck with that...

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Old 25.02.2014, 13:34
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Re: Swiss real estate investment opportunities - research

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So you're suggesting the OP as a private individual / or his "friends" contact pension funds to buy a buildings directly from them?
Yeah... Good luck with that...
I don't invest in 'lending bank's' too much of a comedy product, where the client is just looking for the cheapest, just like airlines a bad place to invest so there will never be a Fatman bank, an adventurous investment fund possibly

You may not have noticed that prices appear to be rising, by selling 1 building they can prove higher values, the fund performance increases as do their bonus's
Gin & Tonics all round.
A huge amount of business is done behind closed doors, in private without publicity, pension funds need to raise liquidity from time to time, rising prices is the perfect opportunity.

Edit or just look http at Homegate 5.25% yield here http://www.homegate.ch/buy/104625604...ault&l=default

So Zurich Commercial above 4,000,000 gives several possibilities , so much for nothing for sale in ZH
http://www.homegate.ch/buy/commercia...=5580326&tid=3

Last edited by fatmanfilms; 25.02.2014 at 13:52.
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Old 25.02.2014, 17:12
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Re: Swiss real estate investment opportunities - research

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Just look http at Homegate 5.25% yield here http://www.homegate.ch/buy/104625604...ault&l=default

So Zurich Commercial above 4,000,000 gives several possibilities , so much for nothing for sale in ZH
http://www.homegate.ch/buy/commercia...=5580326&tid=3




I heard from Swiss real estate experts that other cities have higher yields than Zurich, such as Bern, Basel, or Olten. Does anybody here know Olten? Supposedly it has a high demand for housing because there is so much employment there due to all Swiss railways going through Olten.
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