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Old 10.03.2015, 16:17
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EU Citizen, L Permit buying property for primary residence in Switzerland.

We are intent on buying property for our primary residence and we have secured mortgage approval for our target property.

As I understand Swiss residential property law, I would not be required to sell any residential property if I left Switzerland as I am an EU citizen & as such we are afforded the same property privileges as a Swiss Citizen, right?.

Refer below.

Extract from CH.ch:

"As an EU/EFTA citizen living in Switzerland, you enjoy the same rights as Swiss citizens when it comes to buying real estate, meaning you do not need a permit."

https://www.ch.ch/en/real-estate-foreign-national/

so the advise above is specifically about buying but my concern is about renting out or keeping my property if I need to leave Switzerland - Am I
1] allowed to rent it out?
2] allowed to keep it even if I live out side Switzerland?

thanks folks, I may be over analyzing this but it's a big decision & I want to cover all the bases.

Last edited by Horatio Gonzales; 10.03.2015 at 16:18. Reason: typoo
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Old 31.01.2016, 13:58
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Re: EU Citizen, L Permit buying property for primary residence in Switzerland.

Hello, I am an EU citizen living in Zurich, have a permit C and want to buy a property here as a primary residence. Did you have any luck with advice, and/or did you find someone professional that can assist you?
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Old 31.01.2016, 14:11
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Re: EU Citizen, L Permit buying property for primary residence in Switzerland.

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Hello, I am an EU citizen living in Zurich, have a permit C and want to buy a property here as a primary residence. Did you have any luck with advice, and/or did you find someone professional that can assist you?
There are many threads discussing property purchasing - perhaps a bit of browsing is in order first, as a good many issues have already been discussed ad nauseum infinitum.

If you have specific questions once you have read through the many relevent threads, then post away.

Last edited by meloncollie; 31.01.2016 at 14:42.
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Old 31.01.2016, 15:45
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Re: EU Citizen, L Permit buying property for primary residence in Switzerland.

Quote:
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We are intent on buying property for our primary residence and we have secured mortgage approval for our target property.

As I understand Swiss residential property law, I would not be required to sell any residential property if I left Switzerland as I am an EU citizen & as such we are afforded the same property privileges as a Swiss Citizen, right?.

Refer below.

Extract from CH.ch:

"As an EU/EFTA citizen living in Switzerland, you enjoy the same rights as Swiss citizens when it comes to buying real estate, meaning you do not need a permit."

https://www.ch.ch/en/real-estate-foreign-national/

so the advise above is specifically about buying but my concern is about renting out or keeping my property if I need to leave Switzerland - Am I
1] allowed to rent it out?
2] allowed to keep it even if I live out side Switzerland?

thanks folks, I may be over analyzing this but it's a big decision & I want to cover all the bases.
Buying & owning a property are 2 different things.
Don't use your pension fund as a deposit as you need to live in the property & nothing else.
I thought you needed a B permit to buy.......
Yes you can keep a property you bought, when you no longer live in CH, that property can also be inherited by non residents.
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Old 31.01.2016, 16:27
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Re: EU Citizen, L Permit buying property for primary residence in Switzerland.

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Hello, I am an EU citizen living in Zurich, have a permit C and want to buy a property here as a primary residence. Did you have any luck with advice, and/or did you find someone professional that can assist you?
I purchased in June 2015.
Georges from Colfina.ch helped me with conveyancing, due diligence & advice as an EU resident living in CH.
I can recommend his service without reservation.

CH.CH is an excellent resource too.
Best of luck. I am open to answer specific questions via PM if you want assuming I know the answer of course.
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Old 31.01.2016, 16:37
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Re: EU Citizen, L Permit buying property for primary residence in Switzerland.

I think your answer is contained within the Lex Koller legislation.

Quote:
b Main residences
Foreigners domiciled in Switzerland who do not hold a C settlement permit (see 7a) may purchase a dwelling (single-family house or owner-occupied) in their actual place of residence (main residence, art. 2, para 2, subpara b FL, art. 5 and 18a, para 2 OFL; see the second-last section of 5a for a definition of actual domicile) without having to obtain authorization. The same applies to building land provided construction work on the accommodation commences within one year. As nationals of EC and EFTA Member States domiciled in Switzerland are not considered as persons abroad (see 5a), the articles on main residences do not apply to them. They apply only to nationals of other foreign countries who are domiciled in Switzerland (in general with a B residence permit, eventually also persons working for embassies, consulates or international organizations and holding an identification card from the Swiss Department of Foreign Affairs, or persons with a service certificate establishing them as an employee of a foreign rail, postal or customs administration service based in Switzerland). The buyer must occupy the dwelling himself. He cannot rent it out even in part.
The purchase of a main residence is exempted from the authorization requirement only if bought in the buyer’s own name (art. 8 OFL). The living area may be of any size, but only one residential unit may be acquired. There are no restrictions on the real estate surface area in itself, but it cannot be so large for the real estate acquisition or even part of it to be regarded as being purely for investment purposes. This is why the Land Registry does not usually enter a transaction concerning an area of over 3,000 m2 in the Register immediately but refers the buyer to the authorization body. This body must then decide whether the acquisition can still be considered as exempt from authorization or whether it cannot be allowed on the grounds that it is purely for investment purposes.
If the buyer changes his place of domicile, he need not sell the dwelling and can dispose of it as he sees fit. He may continue to use it as a secondary or holiday residence or rent it to third parties. He may also purchase another home in his new place of domicile without having to sell the first one. However, a buyer who had no intention of living in that home permanently is in violation of the law, especially when he changes his place of domicile for the sole purpose of being able to purchase several dwellings without requiring authorization. In such cases, the appropriate authorities can invoke authorization requirements retroactively (art. 25, para 1bis, FL) and can order the reinstatement of the original legal situation (art. 27 FL).
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