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Old 19.10.2007, 17:01
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How do you pay apartment rent?

Hello,

I am about to send back my rental contract to the agent. Here I have two options of paying the monthly rent: LSV (direct debit from the bank); or Bank- Postcheckkonto.

I understand that if one chooses the LSV option, the payment is automatically deducted from my personal account as soon as the rental agent triggers a request to the bank.

But how does the Bank- Postcheckkonto works? Will I get a monthly reminder from the agent billing me for the rent then I pay through the bank (via e-banking, or payment slip, or cheque)?

I have consulted some people from the office and they said that it is unusual practice to do this via LSV, and they don't seem to be comfortable giving IBAN information to their property agent.

So how do the EF folks do it?
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Old 19.10.2007, 17:03
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Re: How do you pay apartment rent?

I get 6 months orange rent slips in advance and then pay each month on pay day in the local Post. My boyfriend has always paid his from his bank account directly and doesn't seem to have any problems that way either.
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Old 19.10.2007, 17:06
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Re: How do you pay apartment rent?

I remember to transfer the money direct to my landlord by electronic banking around the last day of the month.
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Old 19.10.2007, 17:09
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Re: How do you pay apartment rent?

The UBS e-banking has an option to create an electronic orange slip that triggers on the first of the month and sends the money off. The Landlord seems fine with that.
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Old 19.10.2007, 17:15
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Re: How do you pay apartment rent?

Get a job.
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Old 19.10.2007, 17:26
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Re: How do you pay apartment rent?

I would say poison rich step-mother for inheritance.

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Get a job.
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Old 19.10.2007, 18:07
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Re: How do you pay apartment rent?

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The UBS e-banking has an option to create an electronic orange slip that triggers on the first of the month and sends the money off. The Landlord seems fine with that.
That's how we pay our rent.
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Old 19.10.2007, 18:07
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Re: How do you pay apartment rent?

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I would say poison rich step-mother for inheritance.
Where do I find a rich step mother?
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Old 19.10.2007, 18:30
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Re: How do you pay apartment rent?

I'd set up a monthy payment order to automatically transfer the rent to the landlord. That leaves you in full control of the payments without disclosing any banking information to the landlord and also reduces the hassle of having to remember to pay each month. The lease should state until when the payment has to be made or otherwise ask the landlord.

If you choose to make payments each month, the landlord will generally not send you a reminder each month, but will almost surely send you a polite reminder the first time you forget to pay on time, a slightly more sharply worded reminder when it happens the second time, and thereafter you'll start getting registered mail with all types of dire threats.

The LSV option strikes me as somewhat strange, since in my opinion it only makes sense for bills with varying amounts. Prime example are mobile phone bills, where you don't know in advance how much the monthly bill is and cannot set up an automatic payment order. Of course the landlord may want to use LSV if the monthly upkeep charges are variable (i.e. heating, water).
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Old 19.10.2007, 19:52
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Re: How do you pay apartment rent?

Umm... Guess first step is to find the daughter, con her into marrying you, Voila u have a rich step mother.

PS Please refer all detective fictions for the right kinds of poisons ( untraceable ones)

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Old 24.02.2008, 15:10
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Re: How do you pay apartment rent?

hi there I just wanted to tell you that LVS is normal way of paying your rent here in Switzerland. But is should be done in the way that you make the LVS to the landloard. You order your bank to be making paymnet every month to the given account of the rent agent. If you don't like something you can always stop the LVS.

oK I hope you understand. Best regards,

Andrea
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Old 24.02.2008, 15:24
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Re: How do you pay apartment rent?

Set up a standing instruction with the bank. It's called a Dauerauftrag and you can cancel it whenever you want or need to. This is how I've always paid my rent. I set it up for the 28th of each month to pay for the following month.
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Old 24.02.2008, 15:29
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Re: How do you pay apartment rent?

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I just wanted to tell you that LVS is normal way of paying your rent here in Switzerland.
That statement I would have to totally disagree with. After 20+ years and 7 apartments in Switzerland I only came across 1 landlord who insisted on an LVS (he also wanted a 3 month deposit as well).
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Old 24.02.2008, 15:37
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Re: How do you pay apartment rent?

It is what what meg is explaining so very well above the way people pay their rent here is with "dauerauftrag". Cheers to the beautiful Säuliamt where I happen to live too.
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Old 24.02.2008, 19:52
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Re: How do you pay apartment rent?

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hi there I just wanted to tell you that LVS is normal way of paying your rent here in Switzerland. But is should be done in the way that you make the LVS to the landloard. You order your bank to be making paymnet every month to the given account of the rent agent. If you don't like something you can always stop the LVS.

oK I hope you understand. Best regards,

Andrea
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That statement I would have to totally disagree with. After 20+ years and 7 apartments in Switzerland I only came across 1 landlord who insisted on an LVS (he also wanted a 3 month deposit as well).
I have to totally agree with the disagreement - not normal at all in my experience. Sometimes the conveniance of paying on a slightly different date can be very useful .
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Old 14.09.2017, 23:22
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Re: How do you pay apartment rent?

Moving to Locarno sometimes next year. On my first trip to Locarno to locate a apartment to rent which should take about 3-4 days I hope I will need to pay rent right away which will include probably 3 months deposit etc etc. I am swiss but have been living in NC USA for the last 22 years and looking forward to retirement. As I have not established a swiss (UBS ) bank account yet which requires a proof of swiss residence ( which I do not have till the rent is paid ) and can take more than a week to be active I was wondering if landlords take credit cards to pay rent, otherwise I have to pay cash which is not my preferred way to pay even as I remember from when I grew up in Switzerland it is very common to pay cash at the grocery etc.
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Old 14.09.2017, 23:28
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Re: How do you pay apartment rent?

Cash or bank transfer, no credit cards.

Cash is still the norm here, even for buying cars or for down payments on houses.

Tom
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Old 15.09.2017, 12:50
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Re: How do you pay apartment rent?

Are you sure 3-4 days for viewing plus signing the contract is realistic?

Unless it *has* to be UBS you can open an account without Swiss residence, search the forum it's a recurring topic. I may be mistaken but I think with Postfinance it's easy.

To extend a bit on Toms' post above:
For rent payments people will probably expect electronic transfer. Indeed the alternative is cash but that's rare so you may want to remark on that in advance.

You shouldn't pay the deposit to the landlord. Instead the landlord is to open an escrow bank account in your name you pay into (cash or wire transfer). In my very limited experience the account is open very quickly, a couple days perhaps.
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