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Old 20.07.2011, 15:51
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Buying costs

We are in the process of buying a house and want to find out if the purchase costs are shared with the seller as a matter of law or tradition in Switzerland. We know the seller pays their tax on profits made and pays for the estate agent, but what about the legal documentation and Grundbuch bit and pieces? Sh ould we expect them to half the costs with us?
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Old 20.07.2011, 15:55
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Re: Buying costs

it's down to negotiation, but from what i can tell quite common the the grundbuch fees are shared equally.

i also paid for all costs as the buyer for the schuldbrief.

all in all, the costs were a lot less than i initially was expecting. less than 5k all in. speak to the grundbuchamt, they were very helpful and told me exactly how much i would have to pay. there was some quite strange calculations.

e.g. their fees were a small percentage of the price (shared) and a funny calculation of MwSt etc. etc.

Last edited by Phil_MCR; 20.07.2011 at 16:11.
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Old 20.07.2011, 16:08
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Re: Buying costs

normally buyer pays all (exept agent and tax on fortune) count up to 5% of buying price
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Old 20.07.2011, 16:13
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Re: Buying costs

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it's down to negotiation, but from what i can tell quite common the the grundbuch fees are shared equally.

i also paid for all costs as the buyer for the schuldbrief.

all in all, the costs were a lot less than i initially was expecting. less than 5k all in.

same here, sellers split the costs, we worked out how much tax, notary fee's etc etc we where going to have to pay and when they all came in they where quite a bit less then we thought, and budgeted for, which was nice

this was in glarus.
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Old 20.07.2011, 16:29
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Re: Buying costs

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same here, sellers split the costs, we worked out how much tax, notary fee's etc etc we where going to have to pay and when they all came in they where quite a bit less then we thought, and budgeted for, which was nice

this was in glarus.

yeah. for some reason i had german buying costs in my head, so it was a nice surprise when i spoke to the GBA. the final amount was exactly what they told me.
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Old 20.07.2011, 16:30
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Re: Buying costs

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normally buyer pays all (exept agent and tax on fortune) count up to 5% of buying price
my costs where nowhere near as high as 5%.
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Old 20.07.2011, 16:39
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Re: Buying costs

ok. i found an online calculator here. probably varies between gemeindes so check the GBA which is responsible for your property:

http://www.notariate.zh.ch/gru_kau_g...au_pre=1000000

Here, for a 1m property:

you pay 2.5k, split between 2 is 1.3k. calculated as 2.5 pro-mille and MwSt on 1% of the purchase price.

then if you need to piddle around with the grundpfandrecht, there's an additional charge:

Die notariellen Gebühren betragen
  • 1‰ der Pfandsumme bzw. des Erhöhungsbetrages (mindestens aber Fr. 100.-). Dieser Ansatz gilt auch für die öffentliche Beurkundung des Vertrages mit dem Faustpfandgläubiger auf Errichtung oder Erhöhung eines Schuldbriefes und Herausgabe an den Gläubiger.
Die grundbuchamtlichen Gebühren betragen
  • Eintragung und Erhöhung eines Grundpfandrechtes jeder Art
    1,5‰ der Pfandsumme (mindestens aber Fr. 100.-).
  • Ausstellung des Pfandtitels
    - pro Grundstück Fr. 50.-;
    - im Rahmen von Fr. 200.- bis 500.-.

make sure you notice the difference between per-mille and per-cent!
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Old 21.07.2011, 14:50
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Re: Buying costs

thanks, we are looking at buying and this web site will help.
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Old 21.07.2011, 15:06
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Re: Buying costs

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my costs where nowhere near as high as 5%.
depends where you are . in VD for example buyer pays all like said before and notary is 1.7 not 1....Zurich region is quit special in any case....
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Old 21.07.2011, 15:13
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Re: Buying costs

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depends where you are . in VD for example buyer pays all like said before and notary is 1.7 not 1....Zurich region is quit special in any case....
yup. it varies. i was pleasantly surprised when the GBA guy told me it would be 0.25% and my share would be 0.13%!
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Old 21.07.2011, 17:15
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Re: Buying costs

Thanks all, it seems like we will pay about 1% of the cost and the seller is not willing to split this (but actually 1% is a lot less than I was expecting)!
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