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  #101  
Old 21.09.2020, 10:41
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Re: General property buying question(s)

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Contacted an agent by email....

Well, that's your mistake there.


If you are interested, always phone/discuss in person.


In Switzerland emails receive about as much attention as postit note left on the back of the fridge.
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  #102  
Old 21.09.2020, 10:52
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Re: General property buying question(s)

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Well, that's your mistake there.


If you are interested, always phone/discuss in person.


In Switzerland emails receive about as much attention as postit note left on the back of the fridge.

And here is the problem, before I know if I am interested I want to have precise address / GPS coordinates because this is usually sufficient to discard about 90% of properties because of noise and other issues.


I just love agents who write me back to "call me and I will give you address by phone", wtf is that? I have no time for this.


Good thing is that in our digital age one can find about 80% of properties based on the photos, sure, it often takes more time then a call but this is time well invested because you also learn the surroundings and might find some things that would otherwise be lost on you (water treatment plant / trash recycling facility / car painter etc.)
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  #103  
Old 21.09.2020, 11:07
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Re: General property buying question(s)

Ok called the agent directly. Maybe he did not get my email as it was through one of the online portals and yes it was in English.

Agent was very nice and super friendly, was willing to show me the house this week. Got relevant information from him which then allowed me to plugin the details in Comparis valuation algorithm. House is very fairly priced.
I will visit it in 2 weeks time if it is still available. The reason it is not selling is because most people have families, and they find it too small. As I don't have the large family issue, it might just fit the bill.

I was not prepared to buy a property so quickly but who knows I might end up with a house if I really like it and if it ticks all the boxes

In the back garden is a goat hut that belongs to someone else which is the only thing I don't like about the property. I will see if I can get the goat hut too.
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  #104  
Old 21.09.2020, 11:25
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Re: General property buying question(s)

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Ok called the agent directly. Maybe he did not get my email as it was through one of the online portals and yes it was in English.

Agent was very nice and super friendly, was willing to show me the house this week. Got relevant information from him which then allowed me to plugin the details in Comparis valuation algorithm. House is very fairly priced.
I will visit it in 2 weeks time if it is still available. The reason it is not selling is because most people have families, and they find it too small. As I don't have the large family issue, it might just fit the bill.

I was not prepared to buy a property so quickly but who knows I might end up with a house if I really like it and if it ticks all the boxes

In the back garden is a goat hut that belongs to someone else which is the only thing I don't like about the property. I will see if I can get the goat hut too.
Knowing your preferences for property maybe you could forgo the main house and just go straight for the goat hut
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  #105  
Old 21.09.2020, 11:32
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Re: General property buying question(s)

Surely goats would be a plus to save on mowing the lawn
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  #106  
Old 21.09.2020, 11:39
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Re: General property buying question(s)

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Ok called the agent directly. Maybe he did not get my email as it was through one of the online portals and yes it was in English.

Agent was very nice and super friendly, was willing to show me the house this week. Got relevant information from him which then allowed me to plugin the details in Comparis valuation algorithm. House is very fairly priced.
I will visit it in 2 weeks time if it is still available. The reason it is not selling is because most people have families, and they find it too small. As I don't have the large family issue, it might just fit the bill.

I was not prepared to buy a property so quickly but who knows I might end up with a house if I really like it and if it ticks all the boxes

In the back garden is a goat hut that belongs to someone else which is the only thing I don't like about the property. I will see if I can get the goat hut too.

How close is comparis (beneCase) algo to what banks use? I just run few houses I was looking at through them and the valuations are all much higher then asked price.


Either I am very lucky in finding excellent properties or this thing is way too optimistic.
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  #107  
Old 21.09.2020, 11:55
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Re: General property buying question(s)

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Surely goats would be a plus to save on mowing the lawn
I was going to say that too; should let them keep the goat there in exchange for some goats milk now and then
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  #108  
Old 21.09.2020, 12:35
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Re: General property buying question(s)

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How close is comparis (beneCase) algo to what banks use? I just run few houses I was looking at through them and the valuations are all much higher then asked price.

No idea about your question.

I don't want to reveal any real info here but if house is for sale for 100 goats, Comparis recommends 100 to 200 goats. Actually after putting accurate construction year info and the recent renovation info, Comparis recommends 130 to 200 goats. I hope you get the general idea.
Owner is not going to lower his price, he will wait as long as it takes. He wants his 100 goats!!!
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  #109  
Old 21.09.2020, 21:32
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Re: General property buying question(s)

If occupants are 1 or maybe max 2-


House A- 70m2/ 3 rooms- Plot size- 235m2 (sufficient for me). Situated in the valley. Better public transport access and near to hot tourist destinations. 1 parking place, I could possibly survive without buying a vehicle.


House B- 110m2/4 rooms- Plot size- 1100m2 (better investment?) It will stretch my budget and mean I need to earn and save more in the next 15 years! Located on side mountain of a valley but similar actual elevation to House-A. 2 parking places and I think I will need a vehicle.


If build quality of both houses is roughly equal would you pay extra CHF130'000 for House-B? Technically I could pay up in cash for either house if future mortgage terms became unbearable or if bank came knocking for money. Although more money will get tied up with House-B. Both have beautiful views. I will visit both if they don't get sold. So that will make things clearer hopefully.

It is so hard making life impacting decisions! Specially as I have no kids to change my nappies
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  #110  
Old 21.09.2020, 21:34
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Re: General property buying question(s)

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If occupants are 1 or maybe max 2-


House A- 70m2/ 3 rooms- Plot size- 235m2 (sufficient for me). Situated in the valley. Better public transport access and near to hot tourist destinations. 1 parking place, I could possibly survive without buying a vehicle.


House B- 110m2/4 rooms- Plot size- 1100m2 (better investment?) It will stretch my budget and mean I need to earn and save more in the next 15 years! Located on side mountain of a valley but similar actual elevation to House-A. 2 parking places and I think I will need a vehicle.


If build quality of both houses is roughly equal would you pay extra CHF130'000 for House-B? Technically I could pay up in cash for either house if future mortgage terms became unbearable or if bank came knocking for money. Although more money will get tied up with House-B. Both have beautiful views. I will visit both if they don't get sold. So that will make things clearer hopefully.

It is so hard making life impacting decisions! Specially as I have no kids to change my nappies
What is the max size that can be built on each plot, then you can see if the land has any value other than as a garden.
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  #111  
Old 21.09.2020, 21:44
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Re: General property buying question(s)

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What is the max size that can be built on each plot, then you can see if the land has any value other than as a garden.

I will ask the agent if I I meet him. You mean for future sale value, correct? As I won't be able to build anything ever once I buy any house


For argumentís sake if House-B's max built size can't be chnaged, what would you pick based on the limited info I gave you?
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  #112  
Old 21.09.2020, 21:50
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Re: General property buying question(s)

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I will ask the agent if I I meet him. You mean for future sale value, correct? As I won't be able to build anything ever once I buy any house


For argument’s sake if House-B's max built size can't be chnaged, what would you pick based on the limited info I gave you?
Land is valued by what can be built on it, what is built on it may add or detract from said value if house should be demolished as that costs money. If more m2 can be built possibly another house is the existing building on one side or bang in the middle of the plot?

The one with the biggest rooms, if you are 1 or 2 people you want 2 or 3 large rooms not 6 small rooms.
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  #113  
Old 21.09.2020, 23:39
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Re: General property buying question(s)

You can find out a lot about the buildings, land, plot boundaries as well as classification by using following tools:


map.geo.admin.ch

* Zones overview for entire Switzerland
* Information on buildings

* Plot information and boundaries


In general, this site is nothing short of awesome, you can find out just about anything there, even the way water is expected to flow in case of strong rains.



Then in order to get more in-depth info on each plot you should use Cantonal geoportals They are different from one canton to another. You can find out precise classification of your land plot there. For example: W2 or K1 etc.



And last but not the least, in order to find out precise rules on what can be build on that land you need to find a building code document of the commune where this information will be included. Plus some other interesting stuff such as form of roofs (sometimes with precise angles )
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  #114  
Old 21.09.2020, 23:44
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Re: General property buying question(s)

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How close is comparis (beneCase) algo to what banks use? I just run few houses I was looking at through them and the valuations are all much higher then asked price.


Either I am very lucky in finding excellent properties or this thing is way too optimistic.
The comparis valuation is not serious. If you want to know what a property is worth you need to ask a bank. In fact, best to ask more than one bank, and preferably one in the region where the house is located. That being said, the bank needs to have sufficient information to give a valuation. Generally they will give you a price range.

If you are looking for a property several hours away, as we were recently, the issue was whether to visit and then get the bank's opinion, or first get the bank's feedback. If a property is overpriced with no room for negotiation, why visit at all.

Lastly, do your own research. Real estate agents can be very creative with the truth and essentially they work for the seller.
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  #115  
Old 21.09.2020, 23:59
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Re: General property buying question(s)

Thanks for the info. I am in bed so will check those links on the desktop tomorrow.
Currently watching Alps landslide videos

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  #116  
Old 22.09.2020, 08:09
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Re: General property buying question(s)

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You can find out a lot about the buildings, land, plot boundaries as well as classification by using following tools:
map.geo.admin.ch

* Zones overview for entire Switzerland)

Ok found the 2 properties that I am currently interested in. If I check only "Building zones Switzerland (harm.)" Harm = Harmonisiert/Harmonized. I thought it meant danger zone and panicked

House A falls in- Pinkish- Mixed Areas

House B falls in- Yellow zone- Residential Area


What is the implication of those zones?
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Building zones Switzerland (harmonized) (Federal Office for Spatial Development, canton)
The dataset "Building zones Switzerland (harmonized)" is based on the geodata on building zones available to the cantonal offices responsible for spatial planning as of 1.1.2017. The cantonal zone types were assigned to nine primary uses within the building zones in accordance with the minimum geodata model on land use planning
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In general, this site is nothing short of awesome,
Yes you are right!!!!!! Thanks for pointing me there.
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  #117  
Old 22.09.2020, 11:03
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Re: General property buying question(s)

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You can find out a lot about the buildings, land, plot boundaries as well as classification by using following tools:


map.geo.admin.ch

* Zones overview for entire Switzerland
* Information on buildings

* Plot information and boundaries


In general, this site is nothing short of awesome, you can find out just about anything there, even the way water is expected to flow in case of strong rains.



Then in order to get more in-depth info on each plot you should use Cantonal geoportals They are different from one canton to another. You can find out precise classification of your land plot there. For example: W2 or K1 etc.



And last but not the least, in order to find out precise rules on what can be build on that land you need to find a building code document of the commune where this information will be included. Plus some other interesting stuff such as form of roofs (sometimes with precise angles )
This is Gold ... Thank you
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  #118  
Old 22.09.2020, 11:06
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Re: General property buying question(s)

House A- 70m2 according to the online advert- Shows as 55m2 on the PDF generated by EGIS number
Construction year is 30 years older than what the agent said. Although he did say it was renovated. Maybe he meant the renovation year or was being creative with the info.

House B- 110m2 according to the online advert, building are is showing with blank field on the pdf. Year of construction is accurate though.

Shape of both plots seems accurate/same everywhere. Only the goat shed on land of House-A is not shown. Based on the EGIS number that land should be mine, goat shed or no goat shed

Better type all the questions to ask the agent along with map printout etc.

Last edited by Talk to you later; 22.09.2020 at 11:19.
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  #119  
Old 22.09.2020, 11:08
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Re: General property buying question(s)

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Better type all the questions to ask the agent along with map printout etc.
Chances are they might not give you an exact answer but certainly if it proceeds then this is one for your lawyer.
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  #120  
Old 22.09.2020, 11:22
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Re: General property buying question(s)

Re: The goat shed

Is there a Pachtvertrag? (Even a handshake agreement can be a legal Pachtvertrag, by the way.)

If there is, you really need to understand exactly what was agreed on, as a Pachtvertrag generally continues with change of ownership. You might find that the agreement cedes rights to the property that significantly disadvantage you.

If you are happy to continue with the goat shed arrangement forever, all well and good.

But if not, or if you anticipate a future need to use that land, you need to fully understand not only the agreement and the legalities around the agreement but also local sentiment.

Especially in a small agricultural community. Local sympathy will be with the goat owner if a cityslicker (meaning any incomer after 1291) moves in and tries to change things.

---

Looked at a similar property once, then learned that the Pachtvertrag, a handshake agreement with no money involved, allowing a neighbor's chicken run on the corner of the property would have essentially made it impossible for me to use the rest of the property at present, an that ending the agreement would take years and likely end up making me persona non grata in the community. Ran away once I understood the implications.
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