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  #21  
Old 13.11.2015, 15:12
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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A good thing about living next to trains is that you generally don't have to worry about making noise yourself.

Considering that most of us have to spend so much time worrying and walking on eggshells, the location could be a positive rather than a negative.

You could hoover at midnight, take up yodeling - just think of the possibilities!
As I said, it's a maisonette, so almost completely isolated anyhow.
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Old 13.11.2015, 15:24
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Thanks for posting the ad, very considerate and necessary of you...

Yeah, I live next to Sihl City which can anyway be noisy, and this apartment is MUCH better specced...
Always happy to help. It makes a big difference where you are - where you are will influence the noise you'll hear from the trains braking into Adliswil - and with plenty of people on here living there you might get better feedback.

If you are used to noise you may not have a problem - but your best bet is to simply get out and listen. You may not get as much road noise as I first thought from Sihltalstrasse though.

The flipside is that Furter AG generates a fair bit of noise with trucks - in the week.

Some personal experience:
I BOUGHT a flat in London next to a bus-station - fortunate the bedroom window was to the front (main road) which was a lot quieter than the living room (to the rear) which would suffer from fumes and noise from the "yard" - storage, turning, starting etc. I ultimately got used to it - but I wouldn't choose it again

We live on a reasonably busy road - at commuter hours. And we suffer from road noise through out the day as the windows need replacing. Our biggest gripe over noise comes not from the traffic though - but from late night revelers who seem to think that if a conversation is worth having it is worth having at 100dB!!
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Old 13.11.2015, 15:33
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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A good thing about living next to trains is that you generally don't have to worry about making noise yourself.

Considering that most of us have to spend so much time worrying and walking on eggshells, the location could be a positive rather than a negative.

You could hoover at midnight, take up yodeling - just think of the possibilities!
The noise of flushing loos on passing trains is enough to keep anybody awake.
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Old 13.11.2015, 15:36
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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lol, to rent... I'll nowhere near the buying stage yet!
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Old 13.11.2015, 15:59
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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lol, to rent... I'll nowhere near the buying stage yet!
What are you waiting for? You only need 10-20% deposit, from then on you just pay a mortgage quarterly. It works out much, much less expensive than renting, by far! If I were to rent the apartment I'm in, or an equivalent one in the same block, I'd pay around double what I pay now in monthly outgoings for housing! You should really look into it. It's never too early to buy and start saving money!
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Old 13.11.2015, 16:01
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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What are you waiting for?
omg you're right, I'll go out and buy tomorrow!!!!!
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  #27  
Old 13.11.2015, 16:05
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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What are you waiting for? You only need 10-20% deposit, from then on you just pay a mortgage quarterly. It works out much, much less expensive than renting, by far! If I were to rent the apartment I'm in, or an equivalent one in the same block, I'd pay around double what I pay now in monthly outgoings for housing! You should really look into it. It's never too early to buy and start saving money!
Not quite as simple....

You need absolute min 10% cash + 10% from your pension to make up the 20% down payment and a salary that will allow you to pay off the house, using a 5% interest rate calculation + 2 % maintainence.

It has got far harder than before, even if you do know your banker, it is not he who makes the final decision but somebody back office who doesn't knbow you, all he does is look at figures, does 2+2 = 4 !
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Old 13.11.2015, 16:08
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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omg you're right, I'll go out and buy tomorrow!
But perhaps not that one or any one that is so close to the railway lines!
I lived in a flat initially that was 100m from freight railway lines, but with double glazing, it was fine. Of course during the day, especially in summer with a window or two open, there was quite a bit of noise every so often from the brakes screeching and the wagons being shunted!
I definitely wouldn't want to be any closer, especially in the city where it's busy. 7m would be simply unbearable!
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  #29  
Old 13.11.2015, 16:08
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

I think buying really only makes sense if you're thinking of staying in the same place for a long time.
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  #30  
Old 13.11.2015, 16:13
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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I think buying really only makes sense if you're thinking of staying in the same place for a long time.
Possibly, in some cases. That said, if you want to move, you can always let the property out and buy another one somewhere else (or even rent somewhere else, if you want to start paying double for housing expenses again!), (I know for example, that I have the option of letting, should the need/desire arise).
Several of the owners of the apartments in our blocks, initially bought and lived in, here in Switzerland, then moved to Germany when they retired and kept their flats on in Aargau as investments, letting them out to tenants. Apparently quite common in border regions.
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  #31  
Old 13.11.2015, 16:15
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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omg you're right, I'll go out and buy tomorrow!!!!!
Have you considered buying 2 places - 1 for summer and 1 for winter? Or maybe 3 - 1 for the week, 1 for summer weekends and 1 for winter weekends.

You'll only need 20% deposit (10% cash and 10% pension) on your main place and then 33% (cash) on the others - with each costing 1m, you'll only need 767k chf.

A drop in the ocean for a man of your means.
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  #32  
Old 13.11.2015, 16:16
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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True, to a certain extent. If you want to move though, you can always let this flat and buy another one somewhere else, (I know for example, that I have that option, should the need/desire arise).
Several of the owners of the apartments in our blocks, initially bought and lived in, then moved to Germany and kept their flats on as investments, letting them out. Apparently quite common in border regions.
Yes, because of course everyone can afford to buy a place, let it out and then buy another place... very realistic scenario.

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Have you considered buying 2 places - 1 for summer and 1 for winter? Or maybe 3 - 1 for the week, 1 for summer weekends and 1 for winter weekends.

You'll only need 20% deposit (10% cash and 10% pension) on your main place and then 33% (cash) on the others - with each costing 1m, you'll only need 767k chf.

A drop in the ocean for a man of your means.
I lol'd.
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Old 13.11.2015, 16:23
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Yes, because of course everyone can afford to buy a place, let it out and then buy another place... very realistic scenario.
Not everyone. But if you are careful with your money and save a good proportion of your income each month, it shouldn't take you that long to save up for the deposit. It is only 10-20% per property after all! Also anyone on a C-permit can buy.
The really interesting advantage is then that your monthly outgoings for housing drop considerably! It's really only the initial saving for the deposit that could be considered the tricky bit!
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  #34  
Old 13.11.2015, 16:28
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

Richdog at least no one is going to build on the traintracks. ime building work or renovation is far worse to live with. At one point we had a block of flats going up in front, 7 blocks going up behind us and then the neighbour renovated-new drive, new roof, gas mains put in. The dust, drilling and constant movement of lorries carting soil away was really hard to live with.

I wouldn't buy the property your renting but as a rental it seems almost ideal.
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Old 13.11.2015, 16:31
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Not everyone. But if you are careful with your money and save a good proportion of your income each month, it shouldn't take you that long to save up for the deposit. It is only 10-20% per property after all! Also anyone on a C-permit can buy.
The really interesting advantage is then that your monthly outgoings for housing drop considerably! It's really only the initial saving for the deposit that could be considered the tricky bit!
If only I could find a way to save 500chf by not paying for something?

Your costs drop up until the point you need to replace the boiler, or the windows, or the roof, or the kitchen, or a garden fence, or relay a drive, or a washing machine.

Interest is lower than rent (at current rates) but rent is higher because it includes all the other costs that happen once in a while.
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  #36  
Old 13.11.2015, 16:40
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

I think you should sleep in it, hearing the noise during the day is not the same thing, i tried that with a fridge once, but at night when trying to fall asleep it was a different thing.
Unless of course by barely hear them you mean really really barely.
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  #37  
Old 13.11.2015, 16:45
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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I think you should sleep in it, hearing the noise during the day is not the same thing, i tried that with a fridge once, but at night when trying to fall asleep it was a different thing.
Unless of course by barely hear them you mean really really barely.
I think I will go after work and stand near the tracks for 20 mins or so to hear the rush hour traffic... may give me a better idea to think about this evening.

PS: I have never slept in the same room as a fridge.
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Old 13.11.2015, 16:52
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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I have never slept in the same room as a fridge.
Maybe in a hotel room with a mini-bar? They're not always silent!
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Old 13.11.2015, 17:05
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Maybe in a hotel room with a mini-bar? They're not always silent!
Context plumtree, context... apartments not hotels...
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Old 13.11.2015, 17:08
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Have you considered buying 2 places - 1 for summer and 1 for winter? Or maybe 3 - 1 for the week, 1 for summer weekends and 1 for winter weekends.

You'll only need 20% deposit (10% cash and 10% pension) on your main place and then 33% (cash) on the others - with each costing 1m, you'll only need 767k chf.

A drop in the ocean for a man of your means.
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