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Old 16.01.2015, 16:26
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Buying a house

Good day

Please can someone give me exact details on buying a house (Solothurn Kanton). For example :
House price : 400 000 chf.
Deposit : 100 000 chf

I am wanting to know exactly what are my costs on this house, for example , how long is the morgage, transfer costs, water/electic transfer costs, lawyer costs, gemeinde tax costs, etc etc etc...
If someone could please list all costs involved.

many thanx

Ryan
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Old 16.01.2015, 16:31
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Re: Buying a house

Welcome to the forum Ryan. Use the search function and you will find lots of threads about the subject.
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Old 16.01.2015, 16:47
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Re: Buying a house

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Good day

Please can someone give me exact details on buying a house (Solothurn Kanton). For example :
House price : 400 000 chf.
Deposit : 100 000 chf

I am wanting to know exactly what are my costs on this house, for example , how long is the morgage, transfer costs, water/electic transfer costs, lawyer costs, gemeinde tax costs, etc etc etc...
If someone could please list all costs involved.

many thanx

Ryan
No.
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Old 16.01.2015, 16:50
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Re: Buying a house

I think you should see your bank & ask them to work it out for you. They can do all the calculations & give you a budget.
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Old 16.01.2015, 16:52
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Re: Buying a house

I'm sure there are online calculators. LMGTFY..... oh hang on....
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Old 16.01.2015, 17:00
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Re: Buying a house

Thanks for all your replys....
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Old 16.01.2015, 17:31
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Re: Buying a house

Most banks will have a mortgage calculator online at least so try your bank's website. If they don't try UBS, they have one.
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Old 17.01.2015, 15:33
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Re: Buying a house

Quote:
No.
Hello!

You need 20% minimum as cash to bring (law says 10%, most of the bank ask for 20%)

Then you calculate your mortgage interest in the "worth" case:
5% interest rate
1% for amortize the debt
1% for maintain the house
The result has to be maximum 33% of your yearly brut revenue.

For example:
Your total yearly brut revenue: 100 000 chf
Price of the house: 600 000 chf

You need 20%X600 000 = 120 000 chf cash

Mortgage interest:
(5%+1%+1%)X(600 000 - 120 000) = 7% X 480 000 = 33 600 chf / year

Your "refund rate" is 33 600 / 100 000 (your income) = 33.6% => it is just above the limit of 33% but most of the bank would accept.

For more details, try:
http://www.bcv.ch/fr/simulateurs/sim..._hypothecaires

hope it helps!
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Old 17.01.2015, 15:54
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Re: Buying a house

Add to this about 5% for tax and notary fees. And another 5% for an agent in case you had to sell quickly.
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Old 17.01.2015, 17:10
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Re: Buying a house

Maybe you find something here:

General:
http://www.anibis.ch/fr/immobilier-v...=d&p=3&fcid=16

http://www.finanzmonitor.com/immobil...-haus-wohnung/

http://www.homegate.ch/hypotheken/hy...rklaert/budget

http://www.lofthome.ch/notar-grundbu...kauf-2080.html

House Transfer Tax Solothurn:
www.so.ch/fileadmin/internet/fd/fsvaa/pdf/Steuerpraxis/Steuerpraxis_2013_04.pdf


Notars (Solothurn):
http://www.so.ch/departemente/finanz...solothurn.html
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