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Old 15.05.2021, 12:11
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Can a refugee with B permit buy a house in Switzerland

Hello, basically the title. I want to buy a house using a mortgage but I only have B permit and I am from third-world country.
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Old 15.05.2021, 12:19
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Re: Can a refugee with B permit buy a house in Switzerland

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Hello, basically the title. I want to buy a house using a mortgage but I only have B permit and I am from third-world country.
If you have a B permit you're not a refugee.
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Old 15.05.2021, 12:24
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Re: Can a refugee with B permit buy a house in Switzerland

If you are on a B permit you’re not a refugee...

You could probably buy with cash, but I doubt you’d get a mortgage as they’d fave no guarantee that you’ll around to pay it off. You may get the required number of renewals to get a C permit, maybe not....

This is just an option, you will only find out, if you try a bank and see what they say.
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Old 15.05.2021, 12:40
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Re: Can a refugee with B permit buy a house in Switzerland

https://www.ch.ch/en/real-estate-foreign-national/

3rd country nationals with a B permit can buy property. Whether you get a mortgage would depend on your job/income situation.
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Old 15.05.2021, 12:47
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Re: Can a refugee with B permit buy a house in Switzerland

I am non-EU, bought my first flat when my 4-year B permit had a few months left. As I bought off-plan, the place would only have been ready more than 1 year later, long after my permit would have expired, with a risk that it would not be renewed.

The people at the signing didn’t even ask.


The bank just wanted to know the usual info (job and salary).
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Old 15.05.2021, 13:07
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Re: Can a refugee with B permit buy a house in Switzerland

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If you have a B permit you're not a refugee.
Yes they are.... but they are no longer an Asylum seeker (N permit).

Asylum seeker

An asylum seeker is an individual who is seeking international protection. In countries with individualised procedures, an asylum seeker is someone whose claim has not yet been finally decided on by the country in which he or she has submitted it. Not every asylum seeker will ultimately be recognised as a refugee, but every refugee is initially an asylum seeker.

Refugee

A refugee is a person who has fled their country of origin and is unable or unwilling to return because of a well-founded fear of being persecuted because of their race, religion, nationality, membership of a particular social group or political opinion.

"Recognised refugees are entitled to a residence permit in the canton in which they are legally residing (Foreign Nationals' residence permit B). This is limited to one year, but is usually renewed as long as the grounds for recognition as refugees continue to exist. After legally residing in Switzerland for ten years, a permanent settlement permit (C permit) may be issued to recognised refugees."
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Old 15.05.2021, 15:11
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Re: Can a refugee with B permit buy a house in Switzerland

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If you have a B permit you're not a refugee.
Wrong.
Anerkannter Flüchtling. Admitted refugee.
Their B is a lot better/safer than any of yours!!

Sorry OP, can't tell you the answer. Imo, as your B is permanent you should be able to get a mortgage (you won't be kicked out the country) but it will depend on your job-situation and income like for everybody else. Ask the bank.
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Old 16.05.2021, 19:24
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Re: Can a refugee with B permit buy a house in Switzerland

It depends on your nationality. B permit nationals from EU countries have zero restrictions, in essence we have the same rights as Swiss nationals. Non EU citizens with B permits can only buy one property, and it has to become their residency.

The hardest part is meeting all the criteria for getting a mortgage: 1/3 of your gross salary max on house-related expenses, which include the mortgage with a theoretical interest rate of 5%, and 1% of the value of the property it upkeep expenditure + a 20% down payment
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Old 16.05.2021, 19:52
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Re: Can a refugee with B permit buy a house in Switzerland

I bought my property here when I was on a B permit.

While technically the OP is a refugee, in practice they're no different from any other third nation B permit holder. Once you're no longer being treated as a different category, why identify as "refugee"? You're an immigrant.
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Old 17.05.2021, 10:25
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Re: Can a refugee with B permit buy a house in Switzerland

Some banks want C permit to give mortgage, others are happy with B permit, do check with multiple banks.

If I were you, I would first shortlist a property, approach bank with property details , Bank may want additional details like can you bring in 20% of the property's value, your income details , based on these Bank can then tell you if you are eligible and/or what is your mortgage eligibility , you may not buy the shortlisted property but this will still give you the knowledge on what is needed.
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Old 17.05.2021, 10:39
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Re: Can a refugee with B permit buy a house in Switzerland

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While technically the OP is a refugee, in practice they're no different from any other third nation B permit holder. Once you're no longer being treated as a different category, why identify as "refugee"? You're an immigrant.
Because OP wouldn't get your pity/sympathy by just saying he's an immigrant like the rest of us ... why does he or she also have to mention they are from a third world country? Not relevant to the mortgage application.
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Old 17.05.2021, 10:56
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Re: Can a refugee with B permit buy a house in Switzerland

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Because OP wouldn't get your pity/sympathy by just saying he's an immigrant like the rest of us ... why does he or she also have to mention they are from a third world country? Not relevant to the mortgage application.
He should have stuck with "Third Country" (basically any non-EU country). It could make a difference depending on the bank and I don't think he/she was going for sympathy; just stating the reality.

And some "Third Countries" are better than others in the eyes of the bank.

Last edited by Patxi; 17.05.2021 at 11:07.
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Old 17.05.2021, 10:57
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Re: Can a refugee with B permit buy a house in Switzerland

Can someone with B permit buy a house in Switzerland? As others have mentioned, if the bank only minds about job situation and income, someone with B permit can buy a house.

Should someone with a B permit buy a house in CH? I make myself that question too as 3rd country national. I have to renew my B permit every year. The renewal can fail for whatever reason and then I'd find myself with a Swiss mortgage monthly payment without a Swiss income. For the moment, I assess the situation as too risky.
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Old 17.05.2021, 11:50
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Re: Can a refugee with B permit buy a house in Switzerland

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He should have stuck with "Third Country" (basically any non-EU country). It could make a difference depending on the bank and I don't think he/she was going for sympathy; just stating the reality.

And some "Third Countries" are better than others in the eyes of the bank.
My response was based off of some other comments OP has made ...
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Old 17.05.2021, 11:55
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Re: Can a refugee with B permit buy a house in Switzerland

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My response was based off of some other comments OP has made ...
fair enough
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Old 17.05.2021, 13:04
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Re: Can a refugee with B permit buy a house in Switzerland

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Because OP wouldn't get your pity/sympathy by just saying he's an immigrant like the rest of us ... why does he or she also have to mention they are from a third world country? Not relevant to the mortgage application.
Actually it can be relevant to the process, as individuals from certain countries are subject to enhanced disclosure and money laundering checks.

You obviously have some problem with the OP, but why bring your baggage to this topic?

As others have said, B permit plus trustworthy funds plus long term income is what the bank needs.
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Old 17.05.2021, 13:48
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Re: Can a refugee with B permit buy a house in Switzerland

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You obviously have some problem with the OP, but why bring your baggage to this topic?
I don't know ... cabin fever? Will shut up now.
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Old 17.05.2021, 13:57
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Re: Can a refugee with B permit buy a house in Switzerland

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Can someone with B permit buy a house in Switzerland? As others have mentioned, if the bank only minds about job situation and income, someone with B permit can buy a house.

Should someone with a B permit buy a house in CH? I make myself that question too as 3rd country national. I have to renew my B permit every year. The renewal can fail for whatever reason and then I'd find myself with a Swiss mortgage monthly payment without a Swiss income. For the moment, I assess the situation as too risky.
You're over-cautious. Many in the same situation bought despite their permit status and it proved to be a good move. Not sure if current market would recommend such a move.

My humble piece of advice but after looking around at various friends from different places: don't lose opportunities because of that.
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Old 17.05.2021, 14:21
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Re: Can a refugee with B permit buy a house in Switzerland

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You're over-cautious. Many in the same situation bought despite their permit status and it proved to be a good move. Not sure if current market would recommend such a move.

My humble piece of advice but after looking around at various friends from different places: don't lose opportunities because of that.
Thanks.

We all have different perceptions and appetite for risk. Worst case, I can ask for a C by the end of next year.
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