Go Back   English Forum Switzerland > Help & tips > Housing in general  
Reply
 
Thread Tools Display Modes
  #221  
Old 02.06.2015, 21:19
adrianlondon's Avatar
Forum Legend
 
Join Date: Nov 2009
Location: Basel
Posts: 9,131
Groaned at 170 Times in 153 Posts
Thanked 25,643 Times in 6,892 Posts
adrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Yes, because you don't actually "overtake" a contract but get a new one after the previous tenant's is cancelled.
Reply With Quote
  #222  
Old 02.06.2015, 23:40
Member
 
Join Date: Feb 2015
Location: Berner Oberland
Posts: 220
Groaned at 3 Times in 2 Posts
Thanked 236 Times in 85 Posts
MarKanLu is considered knowledgeableMarKanLu is considered knowledgeableMarKanLu is considered knowledgeable
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

I have also received the email from MV (I am a member) regarding their service of checking whether I am entitled to rent reduction.

However, since I have only been in this apartment for a short period of time (15 months) and I am on very good terms with the people from the Verwaltung (it is a small family business), I am wondering: Would they (Verwaltung/owner) view my rent reduction request as "hostile"? I don't want them to dislike me, and they have been very friendly!

Also, does the rent reduction also apply for the parking spots? We are paying 240 CHF/ mo in total (1 spot in the basement garage and 1 spot outside) and we have separate contracts for these parking spots.

TIA
Reply With Quote
  #223  
Old 03.06.2015, 20:33
Newbie 1st class
 
Join Date: May 2015
Location: Basel
Posts: 15
Groaned at 1 Time in 1 Post
Thanked 4 Times in 2 Posts
Shibby has no particular reputation at present
"Mietzins"

Hello,

a coworker mentioned that the "mietzins" was lowered. Is that correct?

Do I have any right to get a lower rent for my appartement now?

In my contract it IS mentioned but its said:

"Mietzinsvorbehalt - Kein Anpassung an die ort-und quartierübichen Mietzinse +10%"

What does it actually mean? Is that even legal? Ive heard different.

Please help.

Thanks in advance
Reply With Quote
  #224  
Old 03.06.2015, 20:42
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 11,471
Groaned at 92 Times in 87 Posts
Thanked 19,986 Times in 8,843 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Hi Shibby, I've merged your question into the big thread about interest rate reduction and rent reduction. Sorry, I don't know about the language in your contract.
Reply With Quote
  #225  
Old 03.06.2015, 21:42
Forum Veteran
 
Join Date: Sep 2012
Location: ZH
Posts: 716
Groaned at 5 Times in 5 Posts
Thanked 648 Times in 338 Posts
daffy99 has an excellent reputationdaffy99 has an excellent reputationdaffy99 has an excellent reputationdaffy99 has an excellent reputation
Re: "Mietzins"

Quote:
View Post
a coworker mentioned that the "mietzins" was lowered. Is that correct?
Yes.

Quote:
View Post
Do I have any right to get a lower rent for my appartement now?
No. You may *request* a reduction, and the owner / administration must respond.

Quote:
View Post
"Mietzinsvorbehalt - Kein Anpassung an die ort-und quartierübichen Mietzinse +10%"

What does it actually mean?
The phrase "Kein Anpassung an die ort-und quartierübichen Mietzinse" indicates that when you signed the contract, the owner claimed that he offered you a discount on the rent that would be customary for the location.

From context it appears as if the 10% would refer to the fact that he claims that customarily for this specific location rents would be 10% higher.

Quote:
View Post
Is that even legal?
Yes. (And you accepted the clause when you signed, so it is binding, too).

When you now request the reduction in rent, you could get a response coming back with "interest adjusted downwards, base rent increased cf Mietzinsvorbehalt, Nebenkosten adapted due to cost of living yadda yadda" - gross win for you zero or negative. Once mortgage interest rates go up again, the contract will then (also) be adjusted upwards to follow suit.

Bonus question: Why is that questions about a (rental) contract always come up *after* said contract has been signed?
Reply With Quote
  #226  
Old 16.06.2015, 21:44
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 451
Groaned at 18 Times in 12 Posts
Thanked 134 Times in 78 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

So, I have heard this story before but never asked the landlord to reduce my rent. Until now, when someone told me that I could probably get a large reduction in my rent.

Thing is, I checked the contract (from Oktober 2009, when the Refernzzinssatz was 3%) and there's no mention of the interest rate. The only mentioned rate is the Hypothekarzinssatz (2%) which AFAIU has nothing to do with the Refernzzinssatz.

What do you think? Will the landlord give me the discount?

Thanks,
G
Reply With Quote
  #227  
Old 16.06.2015, 22:06
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 451
Groaned at 18 Times in 12 Posts
Thanked 134 Times in 78 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
The only mentioned rate is the Hypothekarzinssatz (2%) which AFAIU has nothing to do with the Refernzzinssatz.
Actually, it seems that Refernzzinssatz and Hypothekarzinssatz really are the same thing. But why then should the landlord have given me a 2% rate instead of the 3% which was set in 2009, when I signed the contract?

The full text in my contract is:

Berechnungsgrundlagen: Hypothekarzinssatz 2% Landesindex der Kosumentenpreise Mai93=100 Kostenstand 1992
Reply With Quote
  #228  
Old 21.06.2015, 22:35
Newbie
 
Join Date: Jun 2015
Location: Nyon
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
lady_croissant has no particular reputation at present
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Dear all,
We are in the process of applying for a rent reduction based on the reference interest rate change (in Vaud) and I was wondering whether someone can steer me in the right direction please:
It says to apply for the reduction based on the 'net' monthly rent. So is it the total net amount or the amount minus the charges for hot water etc? Also, since we are renting through a real estate agency, I'm assuming we send the registered letter to them, not the owner of the property? Finally, the IPC rate I saw on the Bon a Savoir site is materially different to the one in our lease - does anyone have any explanation for this, or better still, what the actual rate is? I just want to have my ducks in a row before sending the letter!
Many thanks!
Reply With Quote
  #229  
Old 22.06.2015, 00:30
adrianlondon's Avatar
Forum Legend
 
Join Date: Nov 2009
Location: Basel
Posts: 9,131
Groaned at 170 Times in 153 Posts
Thanked 25,643 Times in 6,892 Posts
adrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

You don't give them any rent figures; just ask the landlord/agency/whatever to reduce the rent in accordance with the reduction in the interest rate.
Reply With Quote
This user would like to thank adrianlondon for this useful post:
  #230  
Old 22.06.2015, 12:54
eng_ch's Avatar
Forum Veteran
 
Join Date: Nov 2005
Location: Up where the air is clear
Posts: 1,788
Groaned at 4 Times in 4 Posts
Thanked 1,807 Times in 911 Posts
eng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

I think I'm about to do the same; Mieterverband points out it's a legal entitlement, but does anyone have any thoughts about whether it's likely to mark you out as a "problem" tenant? Our landlords live in the top flat in the building, and we get on with them well, but they use an agency to run the lettings
Reply With Quote
  #231  
Old 22.06.2015, 12:59
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,705
Groaned at 385 Times in 323 Posts
Thanked 15,296 Times in 7,059 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Maybe just ask them rather than the agency?

I received a letter 2 weeks ago from the agency that the rent will be lowered.
Reply With Quote
  #232  
Old 22.06.2015, 13:26
Ttamasle's Avatar
Forum Veteran
 
Join Date: Dec 2011
Location: ZH, AaA
Posts: 766
Groaned at 6 Times in 4 Posts
Thanked 894 Times in 325 Posts
Ttamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

For all who want to try...make certain you meet the post deadline at the end of this week.

For many (based on the 2010 rate of 2.25%) a full 0.5% drop will net quite an annual savings.

Direct link:
https://www.mieterverband.ch/mv/poli...infordern.html
Reply With Quote
The following 2 users would like to thank Ttamasle for this useful post:
  #233  
Old 24.06.2015, 16:54
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 451
Groaned at 18 Times in 12 Posts
Thanked 134 Times in 78 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
Actually, it seems that Refernzzinssatz and Hypothekarzinssatz really are the same thing. But why then should the landlord have given me a 2% rate instead of the 3% which was set in 2009, when I signed the contract?

The full text in my contract is:

Berechnungsgrundlagen: Hypothekarzinssatz 2% Landesindex der Kosumentenpreise Mai93=100 Kostenstand 1992

Anybody has a clue?

I think I'll write the letter specifying that the rate was 3% at the time we signed the contract and hope for the best
Reply With Quote
  #234  
Old 25.06.2015, 08:18
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,132
Groaned at 218 Times in 138 Posts
Thanked 5,100 Times in 2,636 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
For all who want to try...make certain you meet the post deadline at the end of this week.

For many (based on the 2010 rate of 2.25%) a full 0.5% drop will net quite an annual savings.

Direct link:
https://www.mieterverband.ch/mv/poli...infordern.html
I have obviously missed why there is an end of week deadline?
Reply With Quote
  #235  
Old 25.06.2015, 08:25
Ttamasle's Avatar
Forum Veteran
 
Join Date: Dec 2011
Location: ZH, AaA
Posts: 766
Groaned at 6 Times in 4 Posts
Thanked 894 Times in 325 Posts
Ttamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond reputeTtamasle has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
I have obviously missed why there is an end of week deadline?
Admittedly...We got the much appreciated info from my wife's coworker who is local born. She conveyed the urgency citing that there is some sort of reasonable limit for requesting a change. Beyond that I've no idea other than to share that a swiss person told us to get the request in by this week.
Reply With Quote
  #236  
Old 25.06.2015, 08:46
jot's Avatar
jot jot is offline
Senior Member
 
Join Date: Jul 2006
Location: Kt ZH
Posts: 275
Groaned at 0 Times in 0 Posts
Thanked 200 Times in 111 Posts
jot has a reputation beyond reputejot has a reputation beyond reputejot has a reputation beyond reputejot has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
I have obviously missed why there is an end of week deadline?

To ensure your request is received by the end of the month - Tuesday is the last day of June. The rent can be reduced in this way only on the contractual notice/termination (kündigung) days. Otherwise you will possibly wait three more months, depending on what your rental contract states.

FYI in case anyone receives a negative (or no) response to their request, or questions the calculation, the Mieterverband will examine your case and advise for free, even for non-members living in Kanton Zürich:
https://www.mieterverband.ch/mv-zh/n...vermieter.html
Reply With Quote
  #237  
Old 25.06.2015, 08:48
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 11,471
Groaned at 92 Times in 87 Posts
Thanked 19,986 Times in 8,843 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Quote:
View Post
I have obviously missed why there is an end of week deadline?
I believe it has to do with getting your request in before the end of a month, just like you would have to do for a notice that you're leaving. The change in rent is not immediate but comes into effect with a new contract. Often that new contract starts 3 months from the notice. Or something like that...we haven't written our letter yet.
Reply With Quote
  #238  
Old 25.06.2015, 09:33
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,132
Groaned at 218 Times in 138 Posts
Thanked 5,100 Times in 2,636 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

Ok I will get ours sent today
Reply With Quote
  #239  
Old 25.06.2015, 09:51
LMG's Avatar
LMG LMG is offline
Junior Member
 
Join Date: May 2009
Location: Lausanne
Posts: 70
Groaned at 1 Time in 1 Post
Thanked 11 Times in 8 Posts
LMG has made some interesting contributions
Re: interest rate reduction = possible rent reduction [Referenzzinssatz]

It depends when your contract expires - it needs to be sent three months before that date (just before the three month notice period). For example, my contract started 1 August, so I had to send my letter by the end of April.
Reply With Quote
  #240  
Old 25.06.2015, 10:43
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 13,873
Groaned at 1,324 Times in 887 Posts
Thanked 20,742 Times in 7,950 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: interest rate reduction = possible rent reduction [Referenzzinssatz]

I just asked for a reduction a couple of months ago and they then put the rent up to account for it being 2 years since I moved in, and in the end I got a 33chf reduction. Not sure if its worth sending another letter for a further 5-10chf... though Im guessing they cant once again put the rent up so soon?
Reply With Quote
Reply

Tags
comparis, housing, interest rate, mieterverband, mietzins, referenzzinssatz, rent, rent decreases, rent reduction




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
Krankenkasse: possible reduction of price? Lammhaxe Daily life 9 04.12.2020 23:14
House Rent Reduction (Reduktion der Mieten verlangen) Still Possible The Real Stig Housing in general 0 24.04.2013 09:39
Discrepancy in rent reduction re: interest rates little_isabella Housing in general 3 10.07.2012 10:55
rent reduction? TapiroLee Housing in general 4 29.12.2009 11:35
Demand rent reduction? sharkey Housing in general 2 15.04.2009 15:01


All times are GMT +2. The time now is 21:50.


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