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Old 23.07.2011, 10:18
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Security Deposit (Kaution) in CH

Hi folks,

First thanks for all the informative help on here from all of you and certainly nice to have this in my native language.

Moving from Canada there are alot of different things done. Im still looking for an apartment now, and have found out that this Kaution is 2-3x the rent!!!
Is this normal? How can people come up with that kind of money without wiping out what they have to live?

Im on social assistance due to a spinal issue thats still being investigated and paying $2400 will absolutly wipe out any savings i had with nothing left for furniture or medical expenses. In Canada its only 1/2 months rent.

As a side point, are there any secrets to finding rent other than the obvious homegate,immostreet and newhome?

Thanks for reading.
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Old 23.07.2011, 10:25
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Re: Security Deposit (Kaution) in CH

yup 3 months rent is normal. it's not so surprising when you consider how expensive swiss properties are and how much it costs to fix any problems that arise. don't forget to buy liability insurance to cover any damage you might cause. e.g. it's not uncommon for a lost key replacement to cost over 1000chfs.
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Old 23.07.2011, 10:26
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Re: Security Deposit (Kaution) in CH

If you have problems or questions which you think might well be asked by others, it is well worth doing a search and certainly worth looking at the Stickies at the top of most sub-forums.
This Thread might help you with info about deposits for housing. (Swiss Caution).
There is also a long list of Housing Sites you could take a look at.

Good luck in your hunt.
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Old 28.07.2011, 11:47
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Re: Security Deposit (Kaution) in CH

Thank you for all your input.
Not sure how people pay 3 x the rent though. Isnt that the purpose of people who rent? They cant afford to buy. Who has an extra $2000 CHF sitting around for a deposit??
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Old 28.07.2011, 13:30
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Re: Security Deposit (Kaution) in CH

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Thank you for all your input.
Not sure how people pay 3 x the rent though. Isnt that the purpose of people who rent? They cant afford to buy. Who has an extra $2000 CHF sitting around for a deposit??
Actually, lots of people in Switzerland rent for various reasons. True that some rent b/c they cannot afford to buy, but many others choose to rent even when they have the money to buy.

In the competitive housing world, landlord can choose the tenant and obviously, someone with the cash for a 2-3mont rent deposit would be preferred over someone without. Lots of landlords (in Zurich or other "competitive" housing market won't even accept the Swiss Caution insurance alternative).

You've however listed your location as Thun. I am not familiar with the local situation, but assuming that housing isn't as compeitive and difficult there as it is in Zurich, you might get lucky and find some flats that only require 1 month of deposit. Anything less than one month would be quite rare though. Or alternative, ask the landlord if they will accept Swiss Caution instead.
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Old 28.07.2011, 13:41
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Re: Security Deposit (Kaution) in CH

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Moving from Canada there are alot of different things done. Im still looking for an apartment now, and have found out that this Kaution is 2-3x the rent!!!
Is this normal?
Welcome to Switzerland.

Hope you also have the proof of earnings, letter of no debts, etc. for your apt. application as well.
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Old 28.07.2011, 13:50
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Re: Security Deposit (Kaution) in CH

You could opt to get a bond insurance. The insurance company pays your bond and you pay them.
Try www.swisscaution.ch or www.zurichconnect.ch
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Old 28.07.2011, 13:53
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Re: Security Deposit (Kaution) in CH

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Welcome to Switzerland.

Hope you also have the proof of earnings, letter of no debts, etc. for your apt. application as well.
Im under social assistance at the momment until my spine issue is dealt with, and social assists with rent. So what exactly am i needing to get an apartment.
"letter of no debts"? Im new here, dont have a credit rating.
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Old 28.07.2011, 13:55
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Re: Security Deposit (Kaution) in CH

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You could opt to get a bond insurance. The insurance company pays your bond and you pay them.
Try www.swisscaution.ch or www.zurichconnect.ch
Thank you for those links, I will certainly look into them, although im hearing other stories that landlords will not accept them. Also I may not be accepted because im not working and under social assistance.
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Old 28.07.2011, 14:50
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Re: Security Deposit (Kaution) in CH

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Im under social assistance at the momment until my spine issue is dealt with, and social assists with rent. So what exactly am i needing to get an apartment.
"letter of no debts"? Im new here, dont have a credit rating.
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Thank you for those links, I will certainly look into them, although im hearing other stories that landlords will not accept them. Also I may not be accepted because im not working and under social assistance.
No offence, but how did you manage to get a residence permit here if you havent a job and is non-EU? Unless you are Swiss by origin. If you are married, then your partner/spouse who is working should be the one applying for the apartment with their income declaration etc and not a problem if you arent working.

Its ok if you are new here and dont have a credit rating. In Zurich at least, all you need is to head over to your gemeinde / kreisburo with your permit, and they will print out a "betreibung" for you stating that you are debt free in this country.
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Old 28.07.2011, 14:55
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Re: Security Deposit (Kaution) in CH

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Thank you for those links, I will certainly look into them, although im hearing other stories that landlords will not accept them. Also I may not be accepted because im not working and under social assistance.
Hi there,

Under your circumstances, you need to work a lot closer with your contact at the social assistance. They are able to help you with most of the above mentioned issues. I am sure they could also act as a safety-net for your depot, if needed or at least help your negotiations with your landlord since they are responsible for your monthly payments and have the possibility to hold some monies back (for said depot set-up, savings, debt etc.).

I might show my pessimistic side here, but on your own, without assistance, this will be very much an uphill battle!

Good luck
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Old 28.07.2011, 15:04
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Re: Security Deposit (Kaution) in CH

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No offence, but how did you manage to get a residence permit here if you havent a job and is non-EU? Unless you are Swiss by origin. If you are married, then your partner/spouse who is working should be the one applying for the apartment with their income declaration etc and not a problem if you arent working.

Its ok if you are new here and dont have a credit rating. In Zurich at least, all you need is to head over to your gemeinde / kreisburo with your permit, and they will print out a "betreibung" for you stating that you are debt free in this country.
I am a Swiss citizen through my mothers birth registered in 1988 in Montreal Canada through the Swiss consulate there. Up to this point ive never had to ask for a passport and ID documents but now that im here all of that comes into play. So its not a residents permit I need.
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Old 28.07.2011, 15:09
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Re: Security Deposit (Kaution) in CH

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Hi there,

Under your circumstances, you need to work a lot closer with your contact at the social assistance. They are able to help you with most of the above mentioned issues. I am sure they could also act as a safety-net for your depot, if needed or at least help your negotiations with your landlord since they are responsible for your monthly payments and have the possibility to hold some monies back (for said depot set-up, savings, debt etc.).

I might show my pessimistic side here, but on your own, without assistance, this will be very much an uphill battle!

Good luck

Yes thank you, I have been working close with my social assistant rep. Perhaps my limited German is a barrier for getting a clear picture. I do know they pay for rent up to a certain limit and I have a letter from them ensuring that I do indeed have thier income assistance. But the 2-3x rent deposit is a shocker to me and while I have that amount it would wipe me out as that is what I have saved up to come over here. Social assistance does not pay the Kaution. So Im hoping this swisscaution.ch website can help out regardless of employment status.

Thanks for all the input people.
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Old 24.08.2011, 23:00
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Re: Security Deposit (Kaution) in CH

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Social assistance does not pay the Kaution.
Hi,

I know this thread is a few months old... but I thought I'd add to it because I'm on social assistance (as I think I've mentioned on your other thread), and this week the question came up of me moving to a cheaper apartment, and I asked my social worker about the deposit... not having that kind of money around.

She told me either Swisscaution, or she said if the landlord wouldn't accept Swisscaution, she said that the social services would put the deposit into a blocked account, and then that when I became financially independent, I would pay them back on a monthly basis.

Which made me think of this thread... I don't know if it varies from canton to canton, but it sounds like here in Vaud the social services are aware of the issue and will help you.

I also asked her about the whole 'not working' issue and resulting lack of payslips, and she said that she would write a letter I could include in my dossier which I could use as a substitute for proof of earnings. And that if I wanted she could contact landlords or agencies to give a kind of reference for me.

Finally, she suggested looking for private landlords (small ads) as they would probably meet you in person and therefore you can break the stereotype of the 'person on social assistance'.

Hope that helps you... or someone else in the future.
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Old 25.08.2011, 23:26
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Re: Security Deposit (Kaution) in CH

Thanks for the info. I guess it varies by canton and even by municipality because here in Thun they will not pay for the kaution. So if Swiss kaution doesnt accept me, or a landlord doesnt take it im up the creek without a paddle.

Still looking. BTW it cant be normal for doors to be 200cm high. Im 205 cm and find it annoying that I have to bend my head to get through the door. Most doors are at least 205-210cm every other country ive been in. My 2 cents worth that has nothing to do with the thread title. lol
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