Go Back   English Forum Switzerland > Help & tips > Housing in general  
Reply
 
Thread Tools Display Modes
  #1  
Old 17.07.2020, 21:25
Junior Member
 
Join Date: Sep 2019
Location: Zurich
Posts: 71
Groaned at 75 Times in 18 Posts
Thanked 18 Times in 11 Posts
ILikeEScooter is considered unworthyILikeEScooter is considered unworthyILikeEScooter is considered unworthyILikeEScooter is considered unworthy
Is it safe to show your payslip when applying for a house

When we apply for a house/apartment in Switzerland, we need to send applications documents to the rental agency. Those documents normally include your job certificate and your pay slips in the past few months.
Is it safe to always show the others how much you earn each month or how much you have in your bank account (even no it is not necessary that much)? Will those information be leaking sometimes?

Thanks
Reply With Quote
  #2  
Old 17.07.2020, 21:47
Guest
 
Posts: n/a
Re: Is it safe to show your payslip when applying for a house

In a rare occasion it might be disabused, alternative however is that if you don't show those papers nobody is going to want to rent their home to you.
Reply With Quote
The following 2 users would like to thank for this useful post:
  #3  
Old 17.07.2020, 22:04
olygirl's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: d' Innerschwiiz
Posts: 7,770
Groaned at 419 Times in 282 Posts
Thanked 18,298 Times in 5,668 Posts
olygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

People need to present their salaries to secure a flat? How odd. I would have thought salaries are private.
Reply With Quote
This user would like to thank olygirl for this useful post:
The following 3 users groan at olygirl for this post:
  #4  
Old 17.07.2020, 22:08
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,707
Groaned at 2,625 Times in 1,868 Posts
Thanked 39,822 Times in 18,782 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
People need to present their salaries to secure a flat?
Also to get a mortgage.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #5  
Old 17.07.2020, 22:22
Forum Legend
 
Join Date: Jun 2008
Location: Switzerland
Posts: 8,799
Groaned at 324 Times in 248 Posts
Thanked 20,216 Times in 7,053 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

A payslip is fine. You can overwrite the confidential or non-relevant data. They can't ask for a copy of your annual wage statement or employment contract.
Reply With Quote
The following 2 users would like to thank k_and_e for this useful post:
  #6  
Old 17.07.2020, 23:39
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 13,131
Groaned at 218 Times in 182 Posts
Thanked 15,264 Times in 7,847 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
Also to get a mortgage.

Tom
To the bank. And that makes sense.

But for renting a flat? First time I hear of that.
And I would flat out refuse. I might agree to bring a confirmation of my employer that the flat rent does not exceed a third of my salary. If the rent is high that is.
Still, never heard of it.
Reply With Quote
  #7  
Old 18.07.2020, 06:45
Forum Legend
 
Join Date: Oct 2014
Location: Nyon
Posts: 6,942
Groaned at 408 Times in 301 Posts
Thanked 9,624 Times in 4,503 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
Also to get a mortgage.

Tom
In that case you are giving your salary information to people governed by Swiss Banking Secrets laws.

Are the rental agencies or renter required to destroy your application within a fixed period of time?
Reply With Quote
  #8  
Old 18.07.2020, 08:35
Forum Veteran
 
Join Date: Aug 2011
Location: Risch
Posts: 791
Groaned at 39 Times in 24 Posts
Thanked 864 Times in 446 Posts
KiwiSteve has a reputation beyond reputeKiwiSteve has a reputation beyond reputeKiwiSteve has a reputation beyond reputeKiwiSteve has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

It is fairly standard that a rental agency or owner wants "proof" of your ability to pay the rent. That can be in form of a letter from the employer or a copy a pay slip or yearly tax summary. Sometimes just giving the name of the employer and your position is enough. Such information should be marked confidential and should also be treated as such by the agency. AFAIK, they open themselves to prosecution if you can prove they leaked or passed on the details.
Since the agency can turn you down without giving any real reasons it is difficult to refuse if you really want the flat.
Reply With Quote
  #9  
Old 19.07.2020, 00:13
Sky's Avatar
Sky Sky is offline
Forum Legend
 
Join Date: Apr 2009
Location: Somewhere special far away
Posts: 4,322
Groaned at 69 Times in 51 Posts
Thanked 7,190 Times in 2,662 Posts
Sky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
People need to present their salaries to secure a flat? How odd. I would have thought salaries are private.
Quote:
View Post
To the bank. And that makes sense.

But for renting a flat? First time I hear of that.
And I would flat out refuse. I might agree to bring a confirmation of my employer that the flat rent does not exceed a third of my salary. If the rent is high that is.
Still, never heard of it.
I don’t believe there’s a single real estate agency who will rent out a flat without having proof of employment, 3 salary sheets, as well as proof of «pas de poursuites» (no debts).
Without that information they simply discard the application.
Reply With Quote
  #10  
Old 19.07.2020, 06:05
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 13,977
Groaned at 1,360 Times in 903 Posts
Thanked 20,978 Times in 8,016 Posts
Chuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
When we apply for a house/apartment in Switzerland, we need to send applications documents to the rental agency. Those documents normally include your job certificate and your pay slips in the past few months.
Is it safe to always show the others how much you earn each month or how much you have in your bank account (even no it is not necessary that much)? Will those information be leaking sometimes?

Thanks
Why would it not be 'safe'? you anyway give them your name, address and date of birth. As undesirable as it can be to share them, salaries are hardly the most sensitive of information.
Reply With Quote
  #11  
Old 19.07.2020, 09:45
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 13,131
Groaned at 218 Times in 182 Posts
Thanked 15,264 Times in 7,847 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
I don’t believe there’s a single real estate agency who will rent out a flat without having proof of employment, 3 salary sheets, as well as proof of «pas de poursuites» (no debts).
Without that information they simply discard the application.
Believe it.
With all the flats I ever rented I gave employer and profession ("Beruf" is a common, non private line on all kinds of forms, not only for flats), I was never asked about income.
What's absolutely mandatory with every landlord is the proof of «pas de poursuites» of which I usually hand in a copy and the original only when they indicate I can have the flat (who wants to pay Fr. 17.00 for every application ) .
Reply With Quote
  #12  
Old 19.07.2020, 09:59
Sky's Avatar
Sky Sky is offline
Forum Legend
 
Join Date: Apr 2009
Location: Somewhere special far away
Posts: 4,322
Groaned at 69 Times in 51 Posts
Thanked 7,190 Times in 2,662 Posts
Sky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
Believe it.
With all the flats I ever rented I gave employer and profession ("Beruf" is a common, non private line on all kinds of forms, not only for flats), I was never asked about income.
What's absolutely mandatory with every landlord is the proof of «pas de poursuites» of which I usually hand in a copy and the original only when they indicate I can have the flat (who wants to pay Fr. 17.00 for every application ) .
Really ? wow! I am surprised.
In Romandie, the 3 salary sheets are the sine qua none condition on real estate rental request forms.
I believe the equation is the overall income, the number of people/dependents in the same household versus the price of the rent.
(rent cannot be more than 1/3 rd).
Reply With Quote
  #13  
Old 19.07.2020, 10:09
Belgianmum's Avatar
Roastbeef & Yorkshire mod
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 14,135
Groaned at 276 Times in 235 Posts
Thanked 24,181 Times in 9,856 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
Really ? wow! I am surprised.
In Romandie, the 3 salary sheets are the sine qua none condition on real estate rental request forms.
.
Definitely, it’s the norm here. Three months salary slips plus the extract from the debt register.
Reply With Quote
The following 2 users would like to thank Belgianmum for this useful post:
  #14  
Old 19.07.2020, 12:41
eyebeebe's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Pfäffikon SZ
Posts: 2,444
Groaned at 26 Times in 25 Posts
Thanked 3,319 Times in 1,411 Posts
eyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Having rented in Zurich and Schwyz, we‘ve been asked what we earn, but never had to prove it.

When getting a mortgage, we had to give copies of tax returns rather than payslips and salary certificates. That may be because our bank is also our employer though.
Reply With Quote
The following 2 users would like to thank eyebeebe for this useful post:
  #15  
Old 19.07.2020, 13:17
olygirl's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: d' Innerschwiiz
Posts: 7,770
Groaned at 419 Times in 282 Posts
Thanked 18,298 Times in 5,668 Posts
olygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

I’ve rented out my flat before but never did I ask about salaries
Reply With Quote
The following 2 users would like to thank olygirl for this useful post:
  #16  
Old 20.07.2020, 20:52
Newbie 1st class
 
Join Date: Jul 2020
Location: Langnau A.A.
Posts: 11
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 2 Posts
Gajdzi has no particular reputation at present
Re: Is it safe to show your payslip when applying for a house

Same with me... I'm quite fresh on the forum, but did change apartment in CH twice already. I was asked each time for a debt certificate, proof of salary and the contract (due to B permit).



I always take it in a way that if I would be renting out my apartment I would like to give it to people who are able to easily pay the rent hence I take as an advantage to build my trust.
Reply With Quote
  #17  
Old 20.07.2020, 21:01
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,707
Groaned at 2,625 Times in 1,868 Posts
Thanked 39,822 Times in 18,782 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
When getting a mortgage, we had to give copies of tax returns rather than payslips and salary certificates.
Nope, I had to give the last 6 months pay slips when getting the mortgage.

Tom
Reply With Quote
  #18  
Old 20.07.2020, 22:02
Axa's Avatar
Axa Axa is offline
Forum Legend
 
Join Date: Oct 2019
Location: Suhr, Aargau
Posts: 4,438
Groaned at 75 Times in 70 Posts
Thanked 6,223 Times in 2,927 Posts
Axa has a reputation beyond reputeAxa has a reputation beyond reputeAxa has a reputation beyond reputeAxa has a reputation beyond reputeAxa has a reputation beyond reputeAxa has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

It's normal to show proof of income. Usually the rent should be lower than 1/3 of your income. It's a rule of thumb to minimize the risk of tenants getting too much liabilities and become unable to pay the rent. Not sure if there's legal basis but that's how it works.

Showing how much you have in your bank account is out of the usual requests. Is it a specialty case? A very large property? I've only heard that students are requested to show a certain amount of money on the bank per year to get the visa.

Any strange request should be taken with care. There are fraud stories on people offering property that doesn't exist. There should be another option, where a legitimate landlord/manager requests proof of income and proof there's no debt collection against you, nothing more.
Reply With Quote
This user would like to thank Axa for this useful post:
  #19  
Old 20.07.2020, 22:48
Forum Legend
 
Join Date: Aug 2015
Location: Basle
Posts: 2,970
Groaned at 80 Times in 64 Posts
Thanked 2,068 Times in 1,208 Posts
Landers has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

It might be different with agencies but my landlord (WIR bank) was only concerned about how long I'd be in Switzerland. No payslips, no permit, no debt or police report.


I think if you're a British ex-pat then you're often in a privileged situation. If you're not, then you might have to go to more trouble. And if your face doesn't fit it might not matter how much trouble you go to.



Also at the bank, they couldn't open an account quickly enough (as in they were very keen to get my business)
Reply With Quote
  #20  
Old 21.07.2020, 09:23
Forum Legend
 
Join Date: Feb 2010
Location: Swiss Confederation
Posts: 11,501
Groaned at 409 Times in 335 Posts
Thanked 17,648 Times in 8,925 Posts
greenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond repute
Re: Is it safe to show your payslip when applying for a house

Quote:
View Post
Definitely, it’s the norm here. Three months salary slips plus the extract from the debt register.
Only a (recommendation) letter from the employer here. Edit: I don't remember about the debt register, but we might have needed it one time.
But I put myself in the place of someone who would rent a place here, this moment will probably come some day. I think I'd ask a few questions too especially if they're foreigners. All of them. (yeah, I know how that sounds )
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Payslip deductions NewinGeneva Employment 3 25.03.2020 21:40
the payslip sycylia Employment 16 27.11.2015 15:09
Payslip template rd341p Employment 2 14.06.2012 21:59
Tenants' responsibility to show house when on sale Charlotte G Housing in general 2 17.10.2011 00:46
Proof of safe electrics before we buy house swinburne Housing in general 33 08.03.2008 23:54


All times are GMT +2. The time now is 10:31.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0