Go Back   English Forum Switzerland > Help & tips > Housing in general  
Reply
 
Thread Tools Display Modes
  #1  
Old 06.10.2010, 11:15
esto's Avatar
Forum Veteran
 
Join Date: Mar 2008
Location: CHE
Posts: 1,374
Groaned at 77 Times in 59 Posts
Thanked 3,225 Times in 1,406 Posts
esto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond repute
What's all the "Wert's"

Quote:
Amtlicher Wert Fr. 379'300.--
Gebäudeversicherungswert Fr. 485'000.--
Uebernahme nach Vereinbarung
Geschätzter Verkehrswert Fr. 515'000.-
Verkaufsrichtpreis Fr. 450'000.-- , resp. gegen Angebot*
I'm looking at a house listed for sale for 450,000 CHF. Can anyone explain all the "wert's" listed here?

And when it comes to taking "offers", I'm a little unsure what to offer and how exactly. They are giving me a form to fill in with my offer, and in the next 2 weeks they will stop taking offers and decide. To me personally, I'm willing to pay in the 450-500,000 range. Should I put 500,000 as that's the max I'l willing to pay? Or what if they have no other offers, and I just over-shot by 50k? I'm thinking to put 470k as my offer and see what happens

Any tips/advice welcome
Reply With Quote
  #2  
Old 06.10.2010, 11:28
baboon's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: Rheintal
Posts: 3,819
Groaned at 124 Times in 110 Posts
Thanked 5,075 Times in 2,467 Posts
baboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond repute
Re: What's all the "Wert's"

Amtlicher Wert Fr. 379'300.-- Value for tax purposes
Gebäudeversicherungswert Fr. 485'000.-- Value for insurance
Uebernahme nach Vereinbarung
Geschätzter Verkehrswert Fr. 515'000.- Estimated market value
Verkaufsrichtpreis Fr. 450'000.-- , resp. gegen Angebot* Selling price ono

hth.
Reply With Quote
The following 4 users would like to thank baboon for this useful post:
  #3  
Old 06.10.2010, 11:41
HashBrown's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich
Posts: 3,297
Groaned at 68 Times in 49 Posts
Thanked 3,015 Times in 1,340 Posts
HashBrown has a reputation beyond reputeHashBrown has a reputation beyond reputeHashBrown has a reputation beyond reputeHashBrown has a reputation beyond reputeHashBrown has a reputation beyond reputeHashBrown has a reputation beyond repute
Re: What's all the "Wert's"

I am guessing that 'wert' is the same as English 'worth'.
Reply With Quote
  #4  
Old 06.10.2010, 11:49
esto's Avatar
Forum Veteran
 
Join Date: Mar 2008
Location: CHE
Posts: 1,374
Groaned at 77 Times in 59 Posts
Thanked 3,225 Times in 1,406 Posts
esto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond repute
Re: What's all the "Wert's"

Thanks for the replies. I had a rough idea what these "werts" meant, but I'm wondering also why is the difference between the values? Shouldn't the house have just one "worth"?
Reply With Quote
  #5  
Old 06.10.2010, 12:17
flow23's Avatar
Forum Legend
 
Join Date: Mar 2007
Location: Zürich
Posts: 3,030
Groaned at 91 Times in 69 Posts
Thanked 1,768 Times in 960 Posts
flow23 has a reputation beyond reputeflow23 has a reputation beyond reputeflow23 has a reputation beyond reputeflow23 has a reputation beyond reputeflow23 has a reputation beyond reputeflow23 has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
Thanks for the replies. I had a rough idea what these "werts" meant, but I'm wondering also why is the difference between the values? Shouldn't the house have just one "worth"?
no. because the insurance looks at the hard facts. for them there is no "gold coast bonus", but the raw house that has to be insured.

amtlicher wert ( i think) means: imagine "you"re going bancrupt and the house must be auctioned to pay the debts back...of course they dont get the 500k price but at least the estimated money stated as amtlicher wert can be achieved.

but maybe babbon is right, i dunno for sure.
Reply With Quote
  #6  
Old 06.10.2010, 14:25
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Zürich
Posts: 7,356
Groaned at 314 Times in 210 Posts
Thanked 9,773 Times in 3,436 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: What's all the "Wert's"

What about the land??
Reply With Quote
  #7  
Old 06.10.2010, 14:30
baboon's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: Rheintal
Posts: 3,819
Groaned at 124 Times in 110 Posts
Thanked 5,075 Times in 2,467 Posts
baboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
amtlicher wert ( i think) means: imagine "you"re going bancrupt and the house must be auctioned to pay the debts back...of course they dont get the 500k price but at least the estimated money stated as amtlicher wert can be achieved.
Nope - this is the value that gets added to your personal wealth and on which you have to pay wealth tax. There will also be a verkehrswert (I think it's called) which is the theoritical rent you could receive for the house and which is added to your income and on which you have to pay income tax.
Reply With Quote
This user would like to thank baboon for this useful post:
  #8  
Old 06.10.2010, 14:41
Mud's Avatar
Mud Mud is offline
Forum Legend
 
Join Date: Jan 2009
Location: Romandie
Posts: 2,570
Groaned at 26 Times in 23 Posts
Thanked 5,002 Times in 1,826 Posts
Mud has a reputation beyond reputeMud has a reputation beyond reputeMud has a reputation beyond reputeMud has a reputation beyond reputeMud has a reputation beyond reputeMud has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
What about the land??
Landwert .
Reply With Quote
  #9  
Old 06.10.2010, 15:17
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Zürich
Posts: 7,356
Groaned at 314 Times in 210 Posts
Thanked 9,773 Times in 3,436 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
Landwert .
Which appears to be missing from the calculations...
Reply With Quote
  #10  
Old 06.10.2010, 15:27
Forum Legend
 
Join Date: Feb 2008
Location: Zurich
Posts: 3,457
Groaned at 17 Times in 15 Posts
Thanked 1,984 Times in 1,180 Posts
CH_Me has a reputation beyond reputeCH_Me has a reputation beyond reputeCH_Me has a reputation beyond reputeCH_Me has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
Which appears to be missing from the calculations...
Isn't the Gebäudeversicherungswert the value minus the land? The value in this case doesn't make sense though. In my case, the Gebäudeversicherungswert was half the Verkaufsrichtpreis
Reply With Quote
  #11  
Old 06.10.2010, 15:41
esto's Avatar
Forum Veteran
 
Join Date: Mar 2008
Location: CHE
Posts: 1,374
Groaned at 77 Times in 59 Posts
Thanked 3,225 Times in 1,406 Posts
esto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond reputeesto has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
GVB Wert: CHF. 384‘000.-

Erstellungsjahr: 1924

Amtlicher Wert: CHF. 97‘200.-
How can it be that this house that's selling for 500k has an "amtlicher wert" 1/5 of the selling price?
Reply With Quote
  #12  
Old 06.10.2010, 15:44
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 7,888
Groaned at 476 Times in 398 Posts
Thanked 13,679 Times in 5,445 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
Should I put 500,000 as that's the max I'l willing to pay? Or what if they have no other offers, and I just over-shot by 50k? I'm thinking to put 470k as my offer and see what happens

Any tips/advice welcome
they'll take the highest bid at the end of the 2 weeks, so yes if everyone else offers 400k then you have just overpaid

How long as the place been for sale? a long time and you should be able to offer low.

personally I wouldn't touch this kind of auction
Reply With Quote
  #13  
Old 06.10.2010, 15:45
baboon's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: Rheintal
Posts: 3,819
Groaned at 124 Times in 110 Posts
Thanked 5,075 Times in 2,467 Posts
baboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond repute
Re: What's all the "Wert's"

Quote:
View Post
How can it be that this house that's selling for 500k has an "amtlicher wert" 1/5 of the selling price?
They did the valuation about 50 years ago and haven't updated it since. Quite common, actually. Nice tax saving if you can get it - also shows up nicely what complete cock this element of the tax system is.
Reply With Quote
Reply




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
Coop: Pronounced "koop" or "koh-ahp"? richardm Language corner 64 25.02.2011 05:58
Baschi!!! [apparently some Swiss pop "star" has been "spotted"] Gina Daily life 28 22.06.2010 15:27
Should I continue my "college"(elite high school) Or pursue an "apprentissage" Julian_ignacio Employment 39 20.04.2010 15:34


All times are GMT +2. The time now is 16:55.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0