 | | 
01.02.2021, 09:57
| Newbie | | Join Date: Oct 2018 Location: Luzern
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
| | Process in buying a house
Hello
My fiancee and I are looking for a house to buy in Switzerland.
And wondering if any of you here had experience in buying a property in Switzerland whether, renovation, or buying a new built or buying a land and build on it. What are the pros and cons?
Would be great to hear tips and what to watch out for
Best wishes,
MyLan
| 
01.02.2021, 10:06
|  | Forum Legend | | Join Date: Oct 2007 Location: d' Innerschwiiz
Posts: 6,799
Groaned at 308 Times in 211 Posts
Thanked 15,862 Times in 4,851 Posts
| | Re: Process in buying a house
Lots of good threads on this exact topic.
Enter the words "buy a house" in the search function and a whole list will show up.
Here's one of the latest: https://www.englishforum.ch/showthread.php?t=302402 | The following 4 users would like to thank olygirl for this useful post: | | 
01.02.2021, 11:02
|  | Forum Legend | | Join Date: Nov 2007 Location: Zurich area
Posts: 12,786
Groaned at 99 Times in 88 Posts
Thanked 19,577 Times in 8,681 Posts
| | Re: Process in buying a house
__________________
On Hiatus- Normal operation will resume 22.02.2022 22:02:20.22
| The following 3 users would like to thank aSwissInTheUS for this useful post: | | 
01.02.2021, 11:37
| Newbie | | Join Date: Oct 2018 Location: Luzern
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
| | Re: Process in buying a house
Thank you this is really very helpful.
Will check this out.
We are also looking like what to do first, do we talk to the seller already if we found something but have so many questions about it or do we go to the bank for advise. We are also not sure how it works, as we are not yet married. And if we decide later after buying a house or before. Also what are the tax implications?
But thank you for the links. Will check this out
| 
01.02.2021, 14:03
| Newbie 1st class | | Join Date: Oct 2020 Location: Solothurn
Posts: 19
Groaned at 1 Time in 1 Post
Thanked 15 Times in 7 Posts
| | Re: Process in buying a house
Hello,
we just bought and we are not married. This is not an issue.
We are both from EU, working and have B permit
We went to the bank only when we had a concrete example to let them analyze our situation and the property
Of course we did some homework beforehand so that we are not completely in the dark
Banks are quite good at explain you the mechanisms and costs
I recommend going to talk with 2 ore more bank
This will do wonders if you plan on reducing interest rate by a substantial amount
| This user would like to thank telescope for this useful post: | | 
11.02.2021, 01:14
| Newbie 1st class | | Join Date: Feb 2021 Location: ZG(bis May-21), ZH(von Jun-21)
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 5 Posts
| | Re: Process in buying a house
We approached the bank first, the manager explained us the process end to end. The process slightly varies if it's a new construction and the move is only in the future.
I suggest you approach a bank (atlest 2), they will help you with the knowledge. Also you can do a little bit reading before your visit.
once you understood the process and finalised the object, then you can also look at the below links, if you prefer to apply mortgage online. https://www.moneyland.ch/de/kredite-hypotheken https://key4.ch/en/ | This user would like to thank akk for this useful post: | | 
11.02.2021, 11:31
| Senior Member | | Join Date: Nov 2010 Location: Zurich
Posts: 439
Groaned at 15 Times in 12 Posts
Thanked 159 Times in 99 Posts
| | Re: Process in buying a house
With properties changing hands so quickly here (or at least that's my assumption), it's probably smarter to first get in touch with the bank(s) to see whether you can get a mortgage, how much, against which price, etc.
| 
31.03.2021, 23:43
| Newbie | | Join Date: Mar 2021 Location: Zürich
Posts: 1
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
| | Re: Process in buying a house
Does anyone have experience with neubauprojekte.ch? I find it difficult to find a property around ZH... if they’re good they sell incredibly fast and the new builds are already 1/2 sold by the time they reach comparis and homegate.
I have tried getting in contact directly with the real estate agencies as well, but it’s a sellers’ market and they know they will sell fast so they don’t bother with dealing with buyers anymore.
Any REAL feedback? Is it worth paying 200 CHF for the info?
| 
04.04.2021, 22:15
| Senior Member | | Join Date: Aug 2007 Location: zh
Posts: 439
Groaned at 18 Times in 12 Posts
Thanked 131 Times in 76 Posts
| | Re: Process in buying a house | Quote: | |  | | | I suggest you approach a bank (atlest 2), they will help you with the knowledge. | | | | | They'll also offer coffee  .
| 
05.04.2021, 04:30
|  | Forum Veteran | | Join Date: Sep 2008 Location: Here
Posts: 1,976
Groaned at 193 Times in 88 Posts
Thanked 2,905 Times in 939 Posts
| | Re: Process in buying a house
We used this service to get the lowest interest rate (they do the shopping around for you). Turns out the lowest rate they found for us was from an insurance company, not a bank. https://moneypark.ch/en/ | 
05.04.2021, 10:20
| Junior Member | | Join Date: Oct 2013 Location: UK
Posts: 81
Groaned at 0 Times in 0 Posts
Thanked 46 Times in 23 Posts
| | Re: Process in buying a house
We also used Moneypark. They were ok. We got a 0.9% for 6 years. They did a lot of the donkey work. Cost about CHF 450 for the service (half-price through our Neon bank account). I dare say we could have sourced a lower rate but Valiant bank have so far been excellent & we wanted to find finance quickly for a new build.
| 
06.04.2021, 10:05
| Newbie 1st class | | Join Date: Oct 2020 Location: Solothurn
Posts: 19
Groaned at 1 Time in 1 Post
Thanked 15 Times in 7 Posts
| | Re: Process in buying a house | Quote: | |  | | | We also used Moneypark. They were ok. We got a 0.9% for 6 years. They did a lot of the donkey work. Cost about CHF 450 for the service (half-price through our Neon bank account). I dare say we could have sourced a lower rate but Valiant bank have so far been excellent & we wanted to find finance quickly for a new build. | | | | | Of course this consideration may be invalid because there are so many factors to consider but i have 2 examples of 2 mortgages from friends
1. around 500k property
2. around 1M property
Both got offers from UBS and CreditSuisse for interests of 0.65 - 0.75 for 3, 5, 7 and 10 years. This was 3-4 months ago
| 
06.04.2021, 23:38
| Junior Member | | Join Date: Oct 2013 Location: UK
Posts: 81
Groaned at 0 Times in 0 Posts
Thanked 46 Times in 23 Posts
| | Re: Process in buying a house | Quote: | |  | | | Of course this consideration may be invalid because there are so many factors to consider but i have 2 examples of 2 mortgages from friends
1. around 500k property
2. around 1M property
Both got offers from UBS and CreditSuisse for interests of 0.65 - 0.75 for 3, 5, 7 and 10 years. This was 3-4 months ago | | | | | Unfortunately the very slight uptick in Swiss interest rates end of last year/beginning of this pushed ours up slightly from rates you mentioned, hence ours averages at 0.9 rather than hoped-for 0.7. I think Credit Suisse was lower than 0.9 too, but for assorted reasons we went with Valiant. Anyone that meets relevant criteria and is prepared to put the legwork in should get a slightly better rate than ours.
I can‘t grumble at what we have, however. Rates remain incredibly cheap, though goodness knows where they‘ll be in 6 months - or more importantly for us, 6 years... | 
07.04.2021, 00:55
|  | Forum Legend | | Join Date: Oct 2009 Location: Basel
Posts: 14,308
Groaned at 277 Times in 183 Posts
Thanked 17,718 Times in 7,479 Posts
| | Re: Process in buying a house | Quote: | |  | | | We used this service to get the lowest interest rate (they do the shopping around for you). Turns out the lowest rate they found for us was from an insurance company, not a bank. https://moneypark.ch/en/ | | | | | YMMV, but I found them pretty poor. They were not able to find anything better than what I found and what they did find was very uncompetitive.
| 
08.04.2021, 08:46
| Senior Member | | Join Date: Aug 2007 Location: zh
Posts: 439
Groaned at 18 Times in 12 Posts
Thanked 131 Times in 76 Posts
| | Re: Process in buying a house | Quote: | |  | | | YMMV, but I found them pretty poor. They were not able to find anything better than what I found and what they did find was very uncompetitive. | | | | | had the same experience
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | | Thread Tools | | Display Modes | Linear Mode |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts HTML code is Off | | | All times are GMT +2. The time now is 11:03. | |