Go Back   English Forum Switzerland > Living in Switzerland > Daily life
Reply
 
Thread Tools Display Modes
  #1  
Old 12.01.2018, 15:11
rag rag is offline
Newbie 1st class
 
Join Date: Oct 2017
Location: winterthur
Posts: 10
Groaned at 0 Times in 0 Posts
Thanked 59 Times in 9 Posts
rag is considered knowledgeablerag is considered knowledgeablerag is considered knowledgeable
getting apartment with betreibung

hello mates .

at the movement ,im living in 4.5 zimmer apartment alone in Winterthur ,near to railway station . and im searching for a 1.5 -2.5 zimmer apartment ,because im having Betreibung ,and paying every month . and im working 100 % now .

i did not have any problem with my hause owner till now , im paying my home rent always . i can bring a letter from my apartment owner to prove .but i want to change the apartment ,because im paying 1700 Fr monthly for my apartment .if i change to a small apartment ,i think i can pay some more amount to betreibungsamt and try to finish it soon .thats why im looking for a new small apartment . i dont want to share apartment with anyone .

is there anyone got any ideas? will it be hard to find a new apartment with betreibung?
im keenly looking for your answer .

thank you all.

regards
rag.

Last edited by 3Wishes; 12.01.2018 at 19:25. Reason: clarifying
Reply With Quote
  #2  
Old 14.01.2018, 17:30
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery, but not the SoT one
Posts: 18,512
Groaned at 308 Times in 240 Posts
Thanked 13,557 Times in 7,790 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: getting apartment with betreibung

You could look down in the Marketplace section under Property Offered to see if there's anything, but I suspect most landlords will not want a tenant with a Betreibung notice against them.
Reply With Quote
This user would like to thank Medea Fleecestealer for this useful post:
  #3  
Old 14.01.2018, 17:37
ivank's Avatar
Forum Veteran
 
Join Date: Feb 2012
Location: ZH
Posts: 2,115
Groaned at 74 Times in 63 Posts
Thanked 1,818 Times in 1,020 Posts
ivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond repute
Re: getting apartment with betreibung

Quote:
View Post
is there anyone got any ideas? will it be hard to find a new apartment with betreibung?
A cheap small apartment with no lack of other applicants? Yes.

Try looking for a WG, non professionals won't usually ask you about your betreibungen, it's cheaper too. Preferably move to a different village or at least Kreis serviced by a different Betreibungsamt - then you automatically get a clean Betreibungsauskunft in the new place for future references

Quote:
i think i can pay some more amount to betreibungsamt
I suspect that would qualify as a bribe and would only get you into more trouble. You should talk nicely to your creditors instead, they can ask for the record to be pulled, but there's no guarantee they'll do it
Reply With Quote
This user would like to thank ivank for this useful post:
  #4  
Old 14.01.2018, 18:06
ZuriRollt's Avatar
Forum Legend
 
Join Date: Aug 2015
Location: Zürich
Posts: 3,440
Groaned at 91 Times in 67 Posts
Thanked 3,962 Times in 1,747 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: getting apartment with betreibung

You're in a bit of a Catch 22 situation i.e. in order to pay the Betreibung off more quickly then, you'd need a cheaper apartment. The problem is, it will be very difficult to be considered for any new apartment when you have a Betreibung that hasn't yet been paid-off.

Even when you have paid it-off, it will remain about 5 more years on your Betreibungs register. The best you can do is ask the company you owed the money to whether they would be willing to have the entry removed from the register, once the amount has been paid in full (or potentially before). This will also incur charges (but it's not that high).

Here's a link with example letters, but only in German:

https://www.konsumentenschutz.ch/the...n-sie-ihn-los/

My understanding is that most companies will be prepared to delete the Betreibung, once it's paid. The link also provides some example templates in German.

Good luck - sometimes things are easier than you envisage!

Edit: Ah, just found this in English as well:

https://www.ch.ch/en/deleting-debt-enforcement-record/
Reply With Quote
The following 2 users would like to thank ZuriRollt for this useful post:
  #5  
Old 14.01.2018, 18:09
omtatsat's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Timbuktoo/Zürich
Posts: 5,707
Groaned at 811 Times in 448 Posts
Thanked 2,078 Times in 1,372 Posts
omtatsat is considered unworthyomtatsat is considered unworthyomtatsat is considered unworthyomtatsat is considered unworthy
Re: getting apartment with betreibung

Maybe get a short term loan so you can pay off the Betreibung and then get the record removed
Quote:
View Post
hello mates .

at the movement ,im living in 4.5 zimmer apartment alone in Winterthur ,near to railway station . and im searching for a 1.5 -2.5 zimmer apartment ,because im having Betreibung ,and paying every month . and im working 100 % now .

i did not have any problem with my hause owner till now , im paying my home rent always . i can bring a letter from my apartment owner to prove .but i want to change the apartment ,because im paying 1700 Fr monthly for my apartment .if i change to a small apartment ,i think i can pay some more amount to betreibungsamt and try to finish it soon .thats why im looking for a new small apartment . i dont want to share apartment with anyone .

is there anyone got any ideas? will it be hard to find a new apartment with betreibung?
im keenly looking for your answer .

thank you all.

regards
rag.
Reply With Quote
This user would like to thank omtatsat for this useful post:
  #6  
Old 14.01.2018, 18:12
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 7,871
Groaned at 53 Times in 49 Posts
Thanked 11,940 Times in 5,620 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: getting apartment with betreibung

Quote:
View Post
...i think i can pay some more amount to betreibungsamt and try to finish it soon...
Quote:
View Post
...I suspect that would qualify as a bribe and would only get you into more trouble.
I don't think he means as a bribe. I think he means it the way ZuriRollt has said - a cheaper flat would allow him to pay back more money, thereby reducing the debt faster.

The trick is, how does one find a new flat all for yourself when you have a betreibung? OP doesn't want to live in a WG with others. I'm guessing the only option where one would not need to show a debt register extract would be a sublet with a private individual. If he can find a studio apartment that would probably be cheapest.

Or maybe his existing landlord has other properties and would be willing to let him move to one of them?

Agree with ivank though, living in a WG with others even for a short time could save a stack of cash compared to having a solo flat.
Reply With Quote
The following 2 users would like to thank 3Wishes for this useful post:
  #7  
Old 14.01.2018, 18:15
ZuriRollt's Avatar
Forum Legend
 
Join Date: Aug 2015
Location: Zürich
Posts: 3,440
Groaned at 91 Times in 67 Posts
Thanked 3,962 Times in 1,747 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: getting apartment with betreibung

Quote:
View Post
Maybe get a short term loan so you can pay off the Betreibung and then get the record removed

Bad idea:

a) More debt. is not what's needed - he quite rightly wants to live debt. free
b) Applying for a loan with an open Betreibung will be refused as far as I know
c) Any loan application refused will negatively affect a credit status
Reply With Quote
This user would like to thank ZuriRollt for this useful post:
  #8  
Old 15.01.2018, 15:27
rag rag is offline
Newbie 1st class
 
Join Date: Oct 2017
Location: winterthur
Posts: 10
Groaned at 0 Times in 0 Posts
Thanked 59 Times in 9 Posts
rag is considered knowledgeablerag is considered knowledgeablerag is considered knowledgeable
Re: getting apartment with betreibung

Hello mates ,thank you all for the replay . yes i wanted to pay more to betreibung .currently im paying 1500 Fr to betreibung, and also im paying 1700 fr to my apartment . so if i get a cheap flat , then i can also use that rest money to pay to betreibung .so i can finish my betreibung schulden quickly .

and yes ,i wanted to delete my betreibung schulden after i paid all .thank you guys .

you guys and ENGLISH FORUM pushing me forward always to my life with positive words . thank you
Reply With Quote
This user would like to thank rag for this useful post:
  #9  
Old 15.01.2018, 17:26
swisspea's Avatar
Forum Legend
 
Join Date: May 2008
Location: From one side of lake Zurich to the other...
Posts: 5,627
Groaned at 33 Times in 22 Posts
Thanked 5,238 Times in 2,506 Posts
swisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond repute
Re: getting apartment with betreibung

Can you rent out one of your rooms for a while ? That would reduce the rent without the cost of moving...
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Betreibung [Debt Notice] Tonest Finance/banking/taxation 23 13.02.2014 14:16
Getting rid of apartment... Alex_Zurich Complaints corner 28 01.10.2013 10:52
Getting an apartment ktschabold Complaints corner 3 31.01.2012 19:06
Betreibung clerin53 Finance/banking/taxation 8 17.10.2011 17:43
Getting a Job/work permit was much easier than getting an apartment in Zurich janus Complaints corner 1 03.10.2009 20:30


All times are GMT +2. The time now is 06:15.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0