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  #201  
Old 23.09.2012, 01:14
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Re: The "Buying a house in Switzerland" thread

Hi all,

I have not been able to find an answer to my question, i have searched, I promise!

If you have a 'B' permit, working in Canton Zurich, can you live and buy a house in a different canton?

Any insight appreciated.
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  #202  
Old 23.09.2012, 01:23
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Re: The "Buying a house in Switzerland" thread

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Hi all,

I have not been able to find an answer to my question, i have searched, I promise!

If you have a 'B' permit, working in Canton Zurich, can you live and buy a house in a different canton?

Any insight appreciated.
AIUI it's all down to the Gemeinde you want to live in. When we bought, in what for us was a new Canton, the C permit made it easier, but it seemed pretty clear that we would have been able to do so on a B if needed, but that would require that we applied to the new Gemeinde for permission to do so.

Some places have specific rules, and they don't need to give any reason if they reject you, so it's not a given, so the only way you'll be able to find out will be to apply and see what happens.
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  #203  
Old 23.09.2012, 10:31
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Re: The "Buying a house in Switzerland" thread

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Hi all,

I have not been able to find an answer to my question, i have searched, I promise!

If you have a 'B' permit, working in Canton Zurich, can you live and buy a house in a different canton?

Any insight appreciated.
It may depend on the type of B permit too. If you're an EU citizen it may not be a problem, but for others I think the B permit requires you to live in the same canton as you work regardless of whether it's in rented accommodation or your own property. So you would limited to that canton only.
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  #204  
Old 23.09.2012, 10:42
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Re: The "Buying a house in Switzerland" thread

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It may depend on the type of B permit too. If you're an EU citizen it may not be a problem, but for others I think the B permit requires you to live in the same canton as you work regardless of whether it's in rented accommodation or your own property. So you would limited to that canton only.
That is what we are not sure of, I have read on the forum that sometimes a 'B' permit can be linked to a specific company and you have to live, like you said, in the same canton they are.

But I have also read that that is not always the case if your job is permanent and not a specific contract or project etc...

How do you know which one you got though?
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  #205  
Old 23.09.2012, 11:07
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Re: The "Buying a house in Switzerland" thread

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That is what we are not sure of, I have read on the forum that sometimes a 'B' permit can be linked to a specific company and you have to live, like you said, in the same canton they are.

But I have also read that that is not always the case if your job is permanent and not a specific contract or project etc...

How do you know which one you got though?
With 'only' a B permit and I see you are non-EU the Gemeinde concerned may ask the same questions you should ask: how long do you realistically expect to stay here and thus live in the property?
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  #206  
Old 23.09.2012, 11:07
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Re: The "Buying a house in Switzerland" thread

Check with either your employer, who would have applied for the permit on your behalf if it's tied to the job or with your cantonal authorities who issue them.

Actually, looking at the back of my C permit it says it's valid for the whole of Switzerland so check the back of yours. It may say the same or only limit you to a specific canton.
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  #207  
Old 23.09.2012, 11:09
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Re: The "Buying a house in Switzerland" thread

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Check with either your employer, who would have applied for the permit on your behalf if it's tied to the job or with your cantonal authorities who issue them.

Actually, looking at the back of my C permit it says it's valid for the whole of Switzerland so check the back of yours. It may say the same or only limit you to a specific canton.
A C permit is a settlement permit, you can pretty much do anything except vote here!
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  #208  
Old 23.09.2012, 11:31
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Re: The "Buying a house in Switzerland" thread

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With 'only' a B permit and I see you are non-EU the Gemeinde concerned may ask the same questions you should ask: how long do you realistically expect to stay here and thus live in the property?
Been here 3 years, husband has permanent job with very big re-insurer, so unless something drastic happens, we plan to stay forever.
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  #209  
Old 23.09.2012, 11:53
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Re: The "Buying a house in Switzerland" thread

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A C permit is a settlement permit, you can pretty much do anything except vote here!
The point is that it says on the back that it's valid for the whole of Switzerland. It may say something similar on the back of a B permit, I don't know as it's been some while since I had one. But if the B permit also says valid for the whole of Switzerland then I would think he could buy a house in another canton from the one he works in. If it doesn't then he's probably restricted to his work canton as far as property buying is concerned.

And I can vote too as I've lived in the same commune for over 5 years.
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  #210  
Old 23.09.2012, 13:00
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Re: The "Buying a house in Switzerland" thread

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And I can vote too as I've lived in the same commune for over 5 years.
Thats not Switzerland wide!
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  #211  
Old 23.09.2012, 13:09
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Re: The "Buying a house in Switzerland" thread

Nope, but it is in my canton. Aren't I lucky.
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  #212  
Old 27.09.2012, 18:44
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Re: The "Buying a house in Switzerland" thread

A wooden "shack" went for 4 million CHF here last week! This is Geneva prices for you. Crazy!


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Remember that each K/Canton has its own rules re selling to foreigners- so it is difficult to have a thread about 'buying a house in Switzerland'. Prices vary hugely too - our ginormous 16C Vicarage with a big garden and 2 large fields was the same price as a 2 bed flat in Geneva or Zurich (possible quite a bit less).
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  #213  
Old 27.09.2012, 21:13
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Re: The "Buying a house in Switzerland" thread

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A wooden "shack" went for 4 million CHF here last week! This is Geneva prices for you. Crazy!
No doubt it was the land that was valuable & not the wooden shack.
Even in London it's not unusual to knock down 40 year old houses & replace them with bigger ones.
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  #214  
Old 27.09.2012, 23:12
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Re: The "Buying a house in Switzerland" thread

I know of a lovely large house in Surrey that sold for 3.5 mio £ and was knocked down to put ONE larger house on the big plot.
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Old 27.09.2012, 23:36
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Re: The "Buying a house in Switzerland" thread

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I know of a lovely large house in Surrey that sold for 3.5 mio £ and was knocked down to put ONE larger house on the big plot.
& there was the Russian oligarch in Zürich who bought his neighbours house for xx million & knocked it down to extend his garden
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Old 27.09.2012, 23:39
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Re: The "Buying a house in Switzerland" thread

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I know of a lovely large house in Surrey that sold for 3.5 mio £ and was knocked down to put ONE larger house on the big plot.
In reality bricks & morter depreciate, it's the land that has value in a strong market. I know of a terrace of 4 houses from the 1960's all 4 together worth £5 -6 million, if you knocked them down & put 2 houses up each would be worth 8 million, the build costs are was less than 10 million!
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  #217  
Old 28.09.2012, 10:37
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Re: The "Buying a house in Switzerland" thread

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Hi all,

I have not been able to find an answer to my question, i have searched, I promise!

If you have a 'B' permit, working in Canton Zurich, can you live and buy a house in a different canton?

Any insight appreciated.
To be honest, I think you might have more difficulties securing financing from a bank on a non-EU B permit of 3 years than buying in a different Canton. The banks are really tightening up housing credit due to new recommendations of FINMA. I would first pre-secure financing and the bank should also be able to advise on the Canton issue.
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  #218  
Old 28.09.2012, 10:54
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Re: The "Buying a house in Switzerland" thread

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To be honest, I think you might have more difficulties securing financing from a bank on a non-EU B permit of 3 years than buying in a different Canton. The banks are really tightening up housing credit due to new recommendations of FINMA. I would first pre-secure financing and the bank should also be able to advise on the Canton issue.
Not too worried about that, have 2 sets of friends with exactly the same permits, one of them not even on a permanent contract and they had no problems securing mortgages. Both got offers to finance from several different banks and insurance companies.
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  #219  
Old 01.10.2012, 19:08
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Re: The "Buying a house in Switzerland" thread

Unrelated to the above point, we are in the process of buying a house here in Zurich - we have signed the contract and paid a 10% deposit, and will complete the purchase at the end of October. Tomorrow we have a meeting with the Seller (who has now moved out of the house) and the agent to go around the property and compile a 'list of defects' - my understanding is that on compiling this list we agree who is responsible for making any defect good, if necessary, before the completion date.

This is not something that would typically happen in my house buying experience in the UK - so I wonder if this is usual practice here, and if there are any particular things we should look out for? Any advice/tips welcome, thanks.
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  #220  
Old 01.10.2012, 19:37
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Re: The "Buying a house in Switzerland" thread

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Unrelated to the above point, we are in the process of buying a house here in Zurich - we have signed the contract and paid a 10% deposit, and will complete the purchase at the end of October. Tomorrow we have a meeting with the Seller (who has now moved out of the house) and the agent to go around the property and compile a 'list of defects' - my understanding is that on compiling this list we agree who is responsible for making any defect good, if necessary, before the completion date.

This is not something that would typically happen in my house buying experience in the UK - so I wonder if this is usual practice here, and if there are any particular things we should look out for? Any advice/tips welcome, thanks.
Congrats on the new house! Hope you will be very happy in your new home for many years to come!

Can I ask how you managed the 10% deposit instead of the usual 20%. We also want to buy but the best we have found so far is 15% deposit required.

Any help will be appreciated!
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