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  #41  
Old 13.11.2015, 17:10
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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PS: I have never slept in the same room as a fridge.
My fridge doesn't sleep.
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  #42  
Old 13.11.2015, 17:34
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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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.
They don't have to cost a million. There are plenty of properties that cost much less than that.

Do all mortgage providers in Switzerland now require a 33% deposit (and in cash only) for a second property bought with a mortgage (if the first property is also still being bought with a mortgage)?
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  #43  
Old 13.11.2015, 17:40
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

I live right next to the railway lines, about the same distance. 4 trains per hour and some freight at night.

I can sleep quite happily with the windows open. For the first two weeks, it disturbed me and now I don't even notice.
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  #44  
Old 13.11.2015, 18:02
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

http://www.homegate.ch/affittare/105392522
But the price is way too high and doesn't even include parking. Alright, I'm in Aargau, not Zurich, so a different canton may mean slightly lower prices. Nevertheless, I pay about a third of that amount monthly (including running costs) for a flat only slightly smaller than that one, yet mine includes an underground parking space (which incidentally I rent out to someone else, as I don't have a car)! I simply can't imagine paying triple what I do. The drawbacks of that flat (expensive and noisy) outweigh the benefits by far.
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  #45  
Old 13.11.2015, 18:05
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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http://www.homegate.ch/affittare/105392522
But the price is way too high and doesn't even include parking. Alright, I'm in Aargau, not Zurich, so a different canton may mean slightly lower prices. Nevertheless, I pay about a third of that amount monthly (including running costs) for a flat only slightly smaller than that one, yet mine includes an underground parking space (which incidentally I rent out to someone else, as I don't have a car)! I simply can't imagine paying triple what I do. The drawbacks of that flat (expensive and noisy) outweigh the benefits by far.
Thanks plumtree but I think we can stop flogging the "buy a property" horse now, because it's not going to happen yet for me.
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  #46  
Old 13.11.2015, 20:11
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Alright, I'm in Aargau, not Zurich, so a different canton may mean slightly lower prices.
You really haven't a clue, have you?

Perhaps you ought to stick to threads about rubbish?
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  #47  
Old 13.11.2015, 20:23
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

Havenīt read all the comments yet, but reacting to the initial post:
Been living for the last 4,5 years near train tracks in Wallisellen. If your flat/house is well insulated, no issue. I donīt mind the trains (and normally am sensitive to noise). Good luck with the decision!
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  #48  
Old 13.11.2015, 20:50
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

Flip a coin
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  #49  
Old 13.11.2015, 20:53
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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http://www.homegate.ch/affittare/105392522
But the price is way too high and doesn't even include parking. Alright, I'm in Aargau, not Zurich, so a different canton may mean slightly lower prices. Nevertheless, I pay about a third of that amount monthly (including running costs) for a flat only slightly smaller than that one, yet mine includes an underground parking space (which incidentally I rent out to someone else, as I don't have a car)! I simply can't imagine paying triple what I do. The drawbacks of that flat (expensive and noisy) outweigh the benefits by far.
The additional tax you would pay by living in AG would more than offset the slightly higher price in ZH. When I looked at buying in AG, my tax bill would have increased by 50%.....
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Old 13.11.2015, 20:53
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

what have you got to lose to ask if you can try first?
Although it is the sort of noise you can get used to. Some of the most expensive houses in SW London and Surrey are right on the flight path- and it does bother me when i stay there- but our hosts don't even notice anymore- same when in the garden.
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  #51  
Old 13.11.2015, 21:23
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

I think I can top that, Odile. Friends of mine have a smoke detector with a low battery which has been beeping every 90 seconds for the last six years that I am aware of, possibly longer.

They do not hear it at all. Nobody in the house does.

Needless to say it drives me absolutely nuts. They always apologize and promise to have it fixed before my next visit - and then promptly forget, because they never hear the thing themselves.

(I'm not worried for their safety, as there are several other smoke detectors in the house whose batteries do get changed regularly - this one is just in a peculiarly inaccessible spot.)
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  #52  
Old 13.11.2015, 21:26
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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what have you got to lose to ask if you can try first?
Although it is the sort of noise you can get used to. Some of the most expensive houses in SW London and Surrey are right on the flight path- and it does bother me when i stay there- but our hosts don't even notice anymore- same when in the garden.
The most expensive houses are not on a direct flight path, remember the old saying Location, Location Location. I can assure you direct flight path ARE sub prime, even if the prices seem high to you.
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  #53  
Old 13.11.2015, 21:38
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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The additional tax you would pay by living in AG would more than offset the slightly higher price in ZH. When I looked at buying in AG, my tax bill would have increased by 50%.....
Considering my entire tax bill for 2014 for example was literally just thirty francs I guess if I had have lived in canton Zurich in 2014 I would have paid just fifteen francs, and thus I would have saved then an incredible...
... fifteen francs, by your reasoning!
However one problem: I would have had to spend anything from tens of thousands to easily hundreds of thousands of francs more on a property.
All things considered, though like most people, I don't like paying tax (yes, I admit it, I even contested the thirty francs that I was billed!), I think I'd still rather spend the extra fifteen francs in tax in canton Aargau rather than have to dish out tens of thousands to hundreds of thousands of francs more on an overpriced property in canton Zurich!
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  #54  
Old 13.11.2015, 21:41
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

We have friends who were renting the apartments on the other side of the Adliswil train station - overlooking the plaza...

They said no 'Swiss' would ever think it was good to live there, but they loved it...even the 6-8 annual events with the beer flowing and the loud music... so convenient...

And besides......we live above a (very nice) quiet restaurant in Adliswil - the noisiest thing (apart from our own three noisy kids) are the two toddlers living above who I swear only get started at 10pm and have definitely been up running around at 2am!

Having a private maisonette with own washing machine etc, sounds absolutely perfect....
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  #55  
Old 13.11.2015, 21:42
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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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.
Or, you can put down 35% from your 3a and be done with it.

Tom
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Old 13.11.2015, 21:49
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

My wife has a villa (inherited, back from the Austrian days) in Trieste, 20m tops from the main line to Trieste main station (and 100m from the sea).

Yes, we hear it, all the time, but one gets used to the many trains per hour (throughout the night).

BTW, it's for sale.

Tom
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Old 13.11.2015, 21:51
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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Having a private maisonette with own washing machine etc, sounds absolutely perfect....
But how can spending near on Fr.2'500.-- a month on a flat in a very noisy place be perfect? And let's not forget that that money is lost, as it is rent, not a mortgage! The are definitely much better and much more economical solutions.
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  #58  
Old 13.11.2015, 21:56
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

After thinking about it this evening, the train is really a bugbear, enough to put me off it. I'm in no rush to move as I have a place in a good location now, so I will hold off and wait until next year.

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But how can spending near on Fr.2'500.-- a month on a flat in a very noisy place be perfect? And let's not forget that that money is lost, as it is rent, not a mortgage! The are definitely much better and much more economical solutions.
2200 per month, and I can't afford the deposit to buy a nice apartment. Not even sure why this is a debate.
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Old 13.11.2015, 21:58
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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But how can spending near on Fr.2'500.-- a month on a flat in a very noisy place be perfect? And let's not forget that that money is lost, as it is rent, not a mortgage! The are definitely much better and much more economical solutions.
Since in CH, people do not redeem their mortgages, it's actually no different to renting. You will pay interest forever...... so very little point.

If your tax liability in AG is as low as you say, I don't believe your a home owner. It's just not possible, sorry to burst your bubble your a fraud. (We already know that from your other threads)
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Old 14.11.2015, 08:32
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Re: Facing a quandary over a new apartment... it's next to train tracks... thoughts?

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2200 per month, and I can't afford the deposit to buy a nice apartment. Not even sure why this is a debate.
Fr.2'219.-- per month, excluding parking (!!) and excluding all heating/running costs and bills !!!! Therefore it could even be far more than Fr.2'500.-- per month at the end of the day (month!) !! That's simply bonkers !!
It is a debate, maybe because a few people thought you were rich!

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If your tax liability in AG is as low as you say, I don't believe your a home owner. It's just not possible, sorry to burst your bubble your a fraud.
No, no fraud here, sorry!
It doesn't matter that you don't believe I am a homeowner. I am. And it certainly is possible. Tell me exactly how you find it to be not possible!

If I hadn't have bought, I wouldn't be in here chatting, I would probably have to be out working (as you know I am now on disability).

Buying saved me, as my monthly outgoings for housing are much lower than if I were to be renting.

Being in Aargau saved me too, for we are able to shop in Germany and save a lot of money on food and many other necessities.

The mortgage was granted whilst still on a normal salary as an employee. The purchase price was lower than the real value. The Eigenmietwert is much lower than that. The mortgage is tax-deductible, as were some of the renovation works subsequently carried out over the past few years.
We have no children and no car. If you factor in these various points as well as actual income, you come to zero tax liability for 2014 (the lowest I've ever had), and with things remaining by and large unchanged, 2015 is likely to be a very similar figure.

It is a highly unusual situation, I'll give you that! Call it 'irregular' even, but it is the situation I have found myself in! But at least I live in my own home and I don't have to work!!

Last edited by plumtree; 14.11.2015 at 08:46.
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