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Old 29.09.2018, 20:06
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If you buy an appartment in Zurich, does it mean that you will get lower rent?

If you buy an apartment in Zurich, does it mean that you will get lower rent?

I don't know how it works in Zurich when it comes to buying an apartment but atleast in Stockholm and Norway it's a relatively high price when renting by private people... BUT if you buy the apartment, you will get a lower rent, most likely 2x as cheap.

On a cost of living website I see in Zurich if you rent, it costs on average 900 CHF/month for a one room apartment all by your own... About 1800 CHF/month for a three room appartment.

Now, will you get a lower rent if you would buy an apartment and is the prices that I mentioned here accurate? If so, how much lower rent?

It's just interesting, if anyone here knows, please let me know.
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Old 29.09.2018, 20:12
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

Some misspellings, but I get better.
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Old 29.09.2018, 20:20
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

When you buy you don’t pay rent.

So be more specific what you want to compare!
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Old 29.09.2018, 20:21
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

When even the Swedish start believing they live in Switzerland ......

If you buy the appartement, you don't pay rent.
If you want to know about Swiss Hypothekarzinsen (mortgage) check the bank's websites.
Ah, and calculate the roof leaking and stuff like that ....
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Old 29.09.2018, 20:32
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

Really, no rent at all? That's how it works in Sweden/Norway atleast... Maybe Denmark too?

Skip the making fun of comments, I have no clue about this... Should I make fun about you if you asked about Sweden/Norway? Come on.
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Old 29.09.2018, 20:47
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

Mortgage or rent. Not both simultaneously.

Unless you're talking about shared equity schemes which perhaps don't exist in Switzerland (but do in the UK).
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Old 29.09.2018, 20:50
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Really, no rent at all? That's how it works in Sweden/Norway atleast... Maybe Denmark too?

Skip the making fun of comments, I have no clue about this... Should I make fun about you if you asked about Sweden/Norway? Come on.
Yes, absolutely, please do, should I start brabbling about being happy or not in Sweden, buying a house and paying rent for my own property in Sweden or what everybody needs to know about people living in Sweden.
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Old 29.09.2018, 20:55
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

Not quite sure what you are asking. But heck, your English beats my Swedish by a long way

Renting (apartment belongs to someone else)
-
  • you pay rent to the owner
  • cost of water, heating, electricity etc usually paid on top, "Nebenkosten" in German.


Living in an apartment you have bought
  • you pay to the bank (unless you have enough money that you did not need a loan from the bank.... ). This would be called mortgage payment. Interest on the loan is often much smaller than the rent for the same apartment.
  • you have to pay tax on the "Mietzinswert" = hypothetical rent decided by the tax authority for the apartment. Usually lower than what you would pay on the open market.
  • if the land (ground, bit of the street that the house is built on) does not belong to you and the other owners of apartments in the building, then you may also need to pay "ground rent". This is usually quite small....example, CHF 100 per month is possible.
  • in a building with more than one apartment, usually there are maintenance funds to build up money for repairs. Monthly amount depends on the age of the building and any works planned in the next years...in a 10 year old apartment, ours is about CHF 300 per month, but includes some services like cleaning the common areas.
  • Nebenkosten (water, electricity) etc also paid, as for rented apartment.


Does any of that sound like the rent paid in Sweden for an owned-apartment? If you can tell us which one, maybe we can answer better.
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Old 29.09.2018, 20:58
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Some misspellings, but I get better.



It would be difficult to get any worse.....i guess that is positive at least !
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Old 29.09.2018, 21:01
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

In general buying is cheaper than renting on the long run.

But.....

How long do you want to live in it?
What if housing prices drop?
What if interest in 5 or 10 years is double or even triple?
Do you even have the downpayment?

It is all part of a bigger picture when deciding what is cheaper.
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Old 29.09.2018, 21:07
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

It is unadvisable for a person moving to Switzerland to buy property right away. Things move slowly here, and one needs a while to understand how Switzerland ticks. Most people in Swiss cities do not ever buy (kaufen) a property, but rent (mieten).

Therefore, ExpressK, if you are for real and are seriously considering coming to live in Switzerland for a while or permanently, then I recommend that you just do so, and rent when you get here, and have a look around, so you can understand the geography and how it influences property prices.
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Old 29.09.2018, 21:14
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Yes, absolutely, please do, should I start brabbling about being happy or not in Sweden, buying a house and paying rent for my own property in Sweden or what everybody needs to know about people living in Sweden.
We all have been beginners once in every aspect of life, you too.
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Old 29.09.2018, 21:28
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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We all have been beginners once in every aspect of life, you too.
It is not the English nor the spelling we’re grappling with but the thought behind it. It is difficult to figure out what you are trying to ask us.

Last edited by Jim2007; 30.09.2018 at 09:26.
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Old 29.09.2018, 21:30
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

My son has bought an apartment leasehold. He pays 600CHF per month. Mortgage is about that much. To rent such an apartment would be about 1800-2000CHF.
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Old 29.09.2018, 21:31
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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It is not the English nor the spelling we’re grappling with but the thought behind it. It is difficult to figure out what you are trying to as us.
Was that a Freudian?
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Old 29.09.2018, 21:36
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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My son has bought an apartment leasehold. He pays 600CHF per month. Mortgage is about that much. To rent such an apartment would be about 1800-2000CHF.
A leasehold is possible in Switzerland?

Or do you mean, he bought the apartment but it's built on leased ground (that I've heard of here).
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Old 29.09.2018, 21:41
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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We all have been beginners once in every aspect of life, you too.

yes, but not all of us are totally naive...
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Old 29.09.2018, 21:59
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Does any of that sound like the rent paid in Sweden for an owned-apartment? If you can tell us which one, maybe we can answer better.
Well it's very different in Sweden. I should travel to Zurich and ask bunch of questions there instead. After I've been learning more english.
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Old 29.09.2018, 22:12
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Well it's very different in Sweden. I should travel to Zurich and ask bunch of questions there instead. After I've been learning more english.
That won´t help you much as people speak German here.

But if you clarify what you want to know, we may be able to help. So far it is not clear what you actually want
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Old 29.09.2018, 22:15
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Re: If you buy an appartment in Zurich, does it mean that you will get lower rent?

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Well it's very different in Sweden. I should travel to Zurich and ask bunch of questions there instead. After I've been learning more english.
Renting and buying in Sweden is hardly any different from here. At least in Sweden you can buy a house for 30K in the middle of nowhere, would love to have that option here.
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