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Old 17.07.2020, 22:25
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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
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Old 17.07.2020, 22:47
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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.
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Old 17.07.2020, 23:04
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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.
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Old 17.07.2020, 23:08
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Re: Is it safe to show your payslip when applying for a house

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People need to present their salaries to secure a flat?
Also to get a mortgage.

Tom
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Old 17.07.2020, 23:22
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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.
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Old 18.07.2020, 00:39
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Re: Is it safe to show your payslip when applying for a house

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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.
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Old 18.07.2020, 07:45
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Re: Is it safe to show your payslip when applying for a house

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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?
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Old 18.07.2020, 09:35
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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.
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Old 19.07.2020, 01:13
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Re: Is it safe to show your payslip when applying for a house

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People need to present their salaries to secure a flat? How odd. I would have thought salaries are private.
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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.
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Old 19.07.2020, 07:05
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Re: Is it safe to show your payslip when applying for a house

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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.
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Old 19.07.2020, 10:45
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Re: Is it safe to show your payslip when applying for a house

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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 ) .
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Old 19.07.2020, 10:59
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Re: Is it safe to show your payslip when applying for a house

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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).
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Old 19.07.2020, 11:09
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Re: Is it safe to show your payslip when applying for a house

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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.
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Old 19.07.2020, 13:41
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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.
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Old 19.07.2020, 14:17
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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
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Old 20.07.2020, 21:52
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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.
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Old 20.07.2020, 22:01
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Re: Is it safe to show your payslip when applying for a house

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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
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Old 20.07.2020, 23:02
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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.
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Old 20.07.2020, 23:48
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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)
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Old 21.07.2020, 10:23
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Re: Is it safe to show your payslip when applying for a house

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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 )
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