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Old 06.10.2010, 12:15
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What's all the "Wert's"

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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
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Old 06.10.2010, 12:28
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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.
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Old 06.10.2010, 12:41
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Re: What's all the "Wert's"

I am guessing that 'wert' is the same as English 'worth'.
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Old 06.10.2010, 12:49
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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"?
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Old 06.10.2010, 13:17
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Re: What's all the "Wert's"

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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.
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Old 06.10.2010, 15:25
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Re: What's all the "Wert's"

What about the land??
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Old 06.10.2010, 15:30
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Re: What's all the "Wert's"

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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.
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Old 06.10.2010, 15:41
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Re: What's all the "Wert's"

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What about the land??
Landwert .
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Old 06.10.2010, 16:17
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Re: What's all the "Wert's"

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Landwert .
Which appears to be missing from the calculations...
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Old 06.10.2010, 16:27
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Re: What's all the "Wert's"

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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
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Old 06.10.2010, 16:41
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Re: What's all the "Wert's"

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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?
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Old 06.10.2010, 16:44
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Re: What's all the "Wert's"

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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
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Old 06.10.2010, 16:45
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Re: What's all the "Wert's"

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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.
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