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Old 12.02.2018, 04:09
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Subletting rules & insurance against damage/loss of keys

Hello everyone.

I am planning to go traveling outside of Switzerland for a few months, which is why I decided to sublet my apartment (in Zurich). Two weeks ago I called Verwaltung to inquire about the required steps. They asked me to write an email with a request, however until now I received no reply. A few days ago, I called again, and they said they would reply which didn't happen. At this point, I am getting a bit annoyed and impatient, and was wondering what my options are.

1) Would it be acceptable if I simply chose the person subletting my apartment, drew out a contract, and sent it to Verwaltung?

2) I read that one is not allowed to charge more than the original rent, with an exception of subletting a furnished apartment. What's the usual/allowed extra charge/percentage of rent? What about separate bills for electricity, and internet? Surely those are allowed to be charged as well?

3) Could you recommend any insurance company/package that I could take out in order to cover myself from possible damage of the apartment/loss of keys by the person subletting the apartment?

Thanks in advance for help.
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Old 12.02.2018, 04:42
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Re: Subletting rules & insurance against damage/loss of keys

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1) Would it be acceptable if I simply chose the person subletting my apartment, drew out a contract, and sent it to Verwaltung?
Sure, but keep in mind they have a right to reject your subtenant under certain circumstances, so it's not a done deal until they ok it.

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2) I read that one is not allowed to charge more than the original rent, with an exception of subletting a furnished apartment. What's the usual/allowed extra charge/percentage of rent?
About 10% extra for using your furniture is usually considered ok

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What about separate bills for electricity, and internet? Surely those are allowed to be charged as well?
Sure, then don't forget to mention these costs in the contract

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3) Could you recommend any insurance company/package that I could take out in order to cover myself from possible damage of the apartment/loss of keys by the person subletting the apartment?
Your liability insurance should already cover you as the main tenant regardless of who lost the keys. You'd owe the deductible of course if you make a claim. Ask the tenant for a deposit - then you can charge any damages against it without invoking your insurance
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Old 12.02.2018, 09:09
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Re: Subletting rules & insurance against damage/loss of keys

We have a clause in our tenant agreements allowing them to sublet but subject to certain conditions.

A reference on the sub tenant
Liability and damage insurance being in place for the ST either by extension of the tenants policy or a separate one by the ST.

As for keys, if a key is missing the tenant must pay for a new lock (CABA System) and it's deducted from their deposit.

It's illegal to hold a deposit personally, it must be deposited in a separate bank account. We don't get involved in this as the original tenant for whom we hold the deposit remains liable.

Be expected to pay an admin charge to the Verwaltung. We charge between CHF 200 and CHF 500 depending on the work we have to do, though if it's a good tenant and straightforward we waive the charge.

Furniture is a matter between you and the ST. You're mainly charging for wear and tear so 10% of the rental is a good guide, but again it depends on what the furniture is worth, its condition, age etc. In our case we add CHF 500 a month if the apartment (for a 3.5) is to be fully furnished with kitchen equipment etc. However this would be a private matter between you and the ST and separate to your main rental agreement, unless you rented the apartment furnished of course.
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Old 12.02.2018, 10:26
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Re: Subletting rules & insurance against damage/loss of keys

https://www.mieterverband.ch/mv/miet...am-wohnen.html
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Old 12.02.2018, 10:38
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Re: Subletting rules & insurance against damage/loss of keys

Subletting is generally allowed and can't be forbidden by default. There's actually hardly any reasons why the landlord would be allowed to forbid you to sublet your place (the reasons are listed here: http://www.mietrecht.ch/db/gesetze_s...Nr=Art.+262+OR)

But yes you do need some form of formal okay from them, so call again or send a clear message and switch the wording, as in "unless I hear otherwise by XY...". You do need to share the details of the subletter with them.

I charged 5% I think for the use of my furniture while I went travelling and sublet my place, which I think was fair. I was away for almost a year though. You need to make it clear in the contract that the extra charge is for furniture as otherwise the landlord will think you are charging more rent than you are allowed to charge (you are only allowed to charge exactly as much as you yourself are paying).

I recommend to ask for a small "Kaution"/deposit as well.

As for insurance: liability and household insurance should do, if the subletter loses the key, you simply charge him for the replacement.
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Old 12.02.2018, 17:21
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Re: Subletting rules & insurance against damage/loss of keys

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Be expected to pay an admin charge to the Verwaltung. We charge between CHF 200 and CHF 500 depending on the work we have to do, though if it's a good tenant and straightforward we waive the charge.
What for?
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Old 12.02.2018, 17:46
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Re: Subletting rules & insurance against damage/loss of keys

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What for?
I don't get this either, all they possibly could have to do is read the contract.
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Old 12.02.2018, 18:47
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Re: Subletting rules & insurance against damage/loss of keys

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What for?
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I don't get this either, all they possibly could have to do is read the contract.
Because CH - YBS.
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Old 12.02.2018, 18:57
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Re: Subletting rules & insurance against damage/loss of keys

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Your liability insurance should already cover you as the main tenant regardless of who lost the keys.
Is this the case? Information so far (an on the EF) is that the person renting is not only liable for replacement of (KABA) locks and own keys, but all of those of the entire house.

Would be happy to hear otherwise, as I lost a key.
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Old 13.02.2018, 10:17
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Re: Subletting rules & insurance against damage/loss of keys

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What for?
I was wondering the same thing but didn't want to ask as no one else did Can't really see why there'd be a need for an "admin fee". Well at least I didn't have to pay one - the apartment was still "mine" and the subletter was really mainly my responsibility.

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Is this the case? Information so far (an on the EF) is that the person renting is not only liable for replacement of (KABA) locks and own keys, but all of those of the entire house.
Depends on the system I guess. Mine is a "chip"/electronic one, personalized, if I lose it, I get a new one, but there's no need to replace all locks of the whole apartment building.
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Old 13.02.2018, 15:26
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Re: Subletting rules & insurance against damage/loss of keys

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I was wondering the same thing but didn't want to ask as no one else did Can't really see why there'd be a need for an "admin fee". Well at least I didn't have to pay one - the apartment was still "mine" and the subletter was really mainly my responsibility.
As I said, if straightforward we don't charge a fee. I should have been clearer here, but we charge a fee if the tenant wants us to review a subletting contract, or if there is work to be done such as handing over keys, cleaning the apartment before and after etc. We have someone do this for us and the entire fee goes to her or the lawyer if contractual.
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Old 13.02.2018, 15:41
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Re: Subletting rules & insurance against damage/loss of keys

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Is this the case? Information so far (an on the EF) is that the person renting is not only liable for replacement of (KABA) locks and own keys, but all of those of the entire house.

Would be happy to hear otherwise, as I lost a key.
Not in my experience.

The front door is pretty low security, using only a very limited part of the key, and isn't really protected by the registration rules since any of the owners can get new keys cut.

If they try that, I'd demand a full audit of all keys - there's no way that all keys that access the front door will be accounted for!
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Old 13.02.2018, 15:46
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Re: Subletting rules & insurance against damage/loss of keys

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Is this the case? Information so far (an on the EF) is that the person renting is not only liable for replacement of (KABA) locks and own keys, but all of those of the entire house.

Would be happy to hear otherwise, as I lost a key.
It depends. As you know a KABA key can only be replaced with the permission of the administration or owner. They will almost certainly demand a new lock be fitted - we would.

As this key also gives entry to the front door, they can insist this also be changed along with all the common locks. However I don't think it necessary to change every lock of all the other owners in the building because of the way the KABA system can be programmed and locks cut, so that the missing key will no longer work in the new lock but the others will. However if someone knows differently I would stand corrected.

Imagine though the cost of a 100 apartment building?

One thing you can do though, is insist the old locks be given to you. You may need a spare lock one day!

Last edited by LuganoPirate; 13.02.2018 at 15:49. Reason: missed some words so it now makes more sense
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