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Old 15.11.2015, 21:25
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buying a house - potential fees

Hi all,
I am looking for some clarifications regarding all associated fees while buying a house.
I understand that the notary has a price for the documents and so on. Also, the agency has its own price for the transaction.
Does anyone knows how much/what is the percentage for all fees involved in buying a house?
Thanks,
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Old 15.11.2015, 21:32
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Re: buying a house - potential fees

it depends on the gemeinde.
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Old 16.11.2015, 07:19
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Re: buying a house - potential fees

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it depends on the gemeinde.
That's clear. However, I was looking for examples and some estimates.
Any idea?
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Old 16.11.2015, 07:30
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Re: buying a house - potential fees

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it depends on the gemeinde.
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That's clear. However, I was looking for examples and some estimates.
Any idea?
Hard to do, when we dont know where you are...

You could always ask at Remax...
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Old 16.11.2015, 07:32
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Re: buying a house - potential fees

I bought a flat several years ago in Aargau. The notary fee* was split fifty-fifty between the seller and myself. There were no other fees at all. I haven't heard of any agency fees for buyers. If the seller had a fee to pay the agency who did the advertising and viewing appointments, then it was something that did not concern me as a buyer.
I simply had to pay the deposit to the seller (in cash or bank transfer was possible). The rest was paid by the bank as a mortgage was set up.

*The notary fees included the 'Grundbucheintragung'.
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Old 16.11.2015, 09:56
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Re: buying a house - potential fees

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That's clear. However, I was looking for examples and some estimates.
Any idea?
Seriously - as others have said, any expamples from other cantons/Gemeinden are largely irrelevant. You need to know your local practices and resulting fees.

Ask the Notariat in the Gemeinde where you intend to purchase. There might be a fee charged for this appointment but it would be money well invested to learn the procedure.

The fees associated with property purchase might be a flat fee, or they might be a percentage of the purchase price. They might be split between buyer and seller or they might be wholly paid by the buyer... but the local Notary will know what is relevant to you.


(Do however make sure that you understand what happens if the buyer does not pay his capital gains tax...)
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Old 16.11.2015, 10:06
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Re: buying a house - potential fees

I found the best answer to this came from the bank - they listed all the fees and taxes as part of the mortgage quote, and were pretty accurate.
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Old 16.11.2015, 12:58
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Re: buying a house - potential fees

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That's clear. However, I was looking for examples and some estimates.
Any idea?
between 0.1% and 15%
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Old 17.11.2015, 08:45
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Re: buying a house - potential fees

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I found the best answer to this came from the bank - they listed all the fees and taxes as part of the mortgage quote, and were pretty accurate.
Well, this is the option i have overlooked...
Thanks for the idea.
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Old 17.11.2015, 18:09
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Re: buying a house - potential fees

The fees can vary depending on whether you take over the existing "Pfandbrief" or if you need to take out a new one.

In most cases the existing one will be less costly. It is of no use to the current owner of the property and most owners will be delighted if the new owner buys it. (it is usually sold about 50% of the price of a new one). This cost is not split between the sellers and buyers.

The notar can give you the costs.
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