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  #21  
Old 25.09.2014, 15:09
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Re: "no landlord will grant you a lease for a CHF1200 flat"

Some landlords, especially if they are Genossenschaften, may internally subsidize the rents on some flats in order to help people on low income.

If the appartement you are looking at is clearly a 1800CHF plus appartment but the rent is labelled at 1200, it is probably one of those.

My Genossenschaft actually earmarks about 10CHF of rent specifically for subsidizing a number of such appartments. I wouldn't be happy if a 10K earner moved into one of them.
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  #22  
Old 25.09.2014, 15:17
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Re: "no landlord will grant you a lease for a CHF1200 flat"

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I am not sure if my agent is telling the truth or just trying to strike a good deal for himself.
Greetings moni12,

I was able to resolve the issue with my relo agent by "recommending" a flat to him that I found nice and fits my budget. It just happened that a fellow EFer is about to leave CH soon so we agreed to have me take over his flat.

As far as I know, relo companies work with publicly available apartments so they don't bother looking for flats that are being advertised in forums or obscure websites.

Also, the relocation company is not a real estate company that gets paid depending on the value of the flat but rather - they are paid to move you from one place to another so I think relo agents don't get anything by putting you in an expensive apartment.
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  #23  
Old 25.09.2014, 17:08
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Re: "no landlord will grant you a lease for a CHF1200 flat"

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Hi moni12,

Your agent is either very misinformed or slightly dishonest.

The requirements for a residency permit in Kanton Zürich are: number of people -1 >= number of rooms.

This means for the authorities issuing residency permits, a studio flat will be enough for you and your wife.

In practise I can tell you two things from personal experience, earlier this year:

1. A two or 2.5 room flat is perfectly acceptable to the authorities for a couple with no children (my flat is 2.5 rooms, to get my wife's B permit we had to show the authorities the contract).

2. I earn about the same as the salary you mentioned. My rent is 1700.- and I am renting 1 2.5 room flat from one of the bigger letting companies in Switerland (Livit). So this statement is not entirely true.

Maybe some landlords might be worried that you will move out to a more expensive place quite soon, but it's nowhere near impossible to find a flat for 2k on a salary of 120-140k !!
Thanks for the clarification. Feeling much relieved now. I did have a feeling that he is making things up.
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Old 25.09.2014, 17:14
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Re: "no landlord will grant you a lease for a CHF1200 flat"

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Greetings moni12,

I was able to resolve the issue with my relo agent by "recommending" a flat to him that I found nice and fits my budget. It just happened that a fellow EFer is about to leave CH soon so we agreed to have me take over his flat.

As far as I know, relo companies work with publicly available apartments so they don't bother looking for flats that are being advertised in forums or obscure websites.

Also, the relocation company is not a real estate company that gets paid depending on the value of the flat but rather - they are paid to move you from one place to another so I think relo agents don't get anything by putting you in an expensive apartment.
Thanks toothpaste_, I'll speak to my relo agent. Since my company has assigned him to help me for a fixed no. of hours (72 hours spread across multiple days), he is probably trying to rush things.
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  #25  
Old 25.09.2014, 20:53
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Re: "no landlord will grant you a lease for a CHF1200 flat"

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I am facing a similar issue. I will be moving to Zurich with my spouse soon and my relocation agent ( assigned by employer ) came back today to say that no landlord will give a property for a budget of 2000CHF/month. My monthly salary is above 10000CHF but due to other financial commitments ( repayment of my education loan + funding my spouse's future education etc), my disposable income is much lesser. But he said that landlords don't care about these financial commitments and just look at the salary. Is this true?

Also he said it is a rule that a couple (no kids) must rent 3,5 apartment ( 2 bedroom + living ). I am looking for 1 Bedroom as my Spouse would be out of country most of the time and I'll be anyways spending my whole day in office. But he said 1 bedroom + 1 living is not permitted for a couple. Again can someone clarify if there is any such rule in Zurich?

I am not sure if my agent is telling the truth or just trying to strike a good deal for himself.

I really want to keep my housing expenses low as I have many other financial commitments. But my relocation agent is giving me a tough time. Please advice.
Your relo agent is misinformed (trying very hard to be polite here).

There is no reason for you not to take a 1 bedroom apartment. Many couples do. There is no rule against that.

If you have children, a one bedroom is a problem.

As for financial obligations, there is a question on the application form about debts. Now many foreigners answer no because they figure it is none of the landlord's business, and that loans and mortgages outside Switzerland, are not easy to find out about. Plus they don't want to hurt their chances of getting a flat.

In my experience, being honest has never been a problem. A landlord is far more suspicious of an applicant who listed himself as a homeowner in a previous country but claims to have not debts. It is better to be upfront and explain that the house was sold, will be sold, or will be rented to cover the mortgage. (unless of course there is no mortgage!)

Same can be said for alimony and child support payments, or supporting elderly family members. These are obligations and can explain why someone may want a less expensive flat than they can afford based on salary alone.

Student loans, family members with special needs, these are other expensese which can affect one's disposable income.
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Old 26.09.2014, 07:44
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Re: "no landlord will grant you a lease for a CHF1200 flat"

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Your relo agent is misinformed (trying very hard to be polite here).

There is no reason for you not to take a 1 bedroom apartment. Many couples do. There is no rule against that.

If you have children, a one bedroom is a problem.

As for financial obligations, there is a question on the application form about debts. Now many foreigners answer no because they figure it is none of the landlord's business, and that loans and mortgages outside Switzerland, are not easy to find out about. Plus they don't want to hurt their chances of getting a flat.

In my experience, being honest has never been a problem. A landlord is far more suspicious of an applicant who listed himself as a homeowner in a previous country but claims to have not debts. It is better to be upfront and explain that the house was sold, will be sold, or will be rented to cover the mortgage. (unless of course there is no mortgage!)

Same can be said for alimony and child support payments, or supporting elderly family members. These are obligations and can explain why someone may want a less expensive flat than they can afford based on salary alone.

Student loans, family members with special needs, these are other expensese which can affect one's disposable income.
Thanks for the information. Good to know that I can speak about my financial obligations in the application form.

I have 90 days of temporary accommodation given by the company. So have ample time to hunt for a leased accommodation. Will start my flat hunting once I am in Zurich.
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