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  #21  
Old 26.01.2021, 22:48
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Re: Getting mortgage approved in time

I've bought newbuild.
30k deposit
30% of purchase price at begin of build
30% when the roof goes on
the rest when it's ready to move into and you get the keys
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  #22  
Old 28.01.2021, 18:21
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Re: Getting mortgage approved in time

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Most likely no bank will give you a mortgage before you have passed the probation period. Considering this is usually 3 months you can do the math your self.
what probation period? OP didn't mention anything about getting a job here.
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  #23  
Old 28.01.2021, 18:24
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Re: Getting mortgage approved in time

you can always sign a purchase right with the seller. pay some deposit (5-10%) which you would lose if you don't buy the house within some period like a year. that is obviously a risk but if you're fairly sure you will stay and you talk to a bank before about getting an indicative offer you should be fairly safe. this is very normal in switzerland and the notaries can do it for basically no more cost than what you pay them to process the house sale.
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  #24  
Old 28.01.2021, 18:56
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Re: Getting mortgage approved in time

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if the location is London then EU residency is wrong but this does not preclude the OP being an EU citizen, of course.
Maybe OP has not realized yet that GB is no longer EU. After all, they only talked about it for 5 years.

I don't know why OP wants to buy a house here before even arriving. Switzerland is a "renter's country", so it is easy to rent/move.

You may lose your job before probation time is over. You may not like Switzerland (people here stare at you all the time, smoke and if you want to become friends with them in spite of that, they won't let you near them, as I'm sure you read on here )

On top of all that, if you sell your house too soon, without having lived in it for a certain time (canton Zurich 20 years) the profit tax they'll charge you you won't like. homegate-short info. That is if you are even allowed to buy a house here. And - others will know better about this - if you are allowed to own a house if you're not living here (let's say you want/have to leave and want to rent it out).

Learn to walk before you run (in German it's more what I want to say:"Man sollte den zweiten Schritt nicht vor dem ersten tun" - language, an other thing that can put people off from hanging around here )
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  #25  
Old 28.01.2021, 21:38
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Re: Getting mortgage approved in time

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what probation period? OP didn't mention anything about getting a job here.
Not mentioned initially, but based on this reply it seems OP is moving for a job

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...Probation period is a valid point, I forgot to think about that... Good point, thank you.
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