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Old 01.10.2012, 20:22
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Re: The "Buying a house in Switzerland" thread

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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!
Hi - the 10% I refer to is the amount we have paid to the seller on exchange of contract, so a 'deposit' in respect of the full 100% purchase price we will pay to him. NOT to be confused with the funding of the purchase where the standard 20% etc is your cash, or equity, contribution and the bank make up the remaining 80% with the mortgage loan. Good luck with your mortgage negotiations.
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  #222  
Old 01.10.2012, 22:10
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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.
Have a close look at the walls and tub. Small holes or chips are easily concealed with putty (or even toothpaste).
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  #223  
Old 01.10.2012, 22:26
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Re: The "Buying a house in Switzerland" thread

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Have a close look at the walls and tub. Small holes or chips are easily concealed with putty (or even toothpaste).
In the grand scheme of things, repainting a wall is no big deal!
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  #224  
Old 01.10.2012, 22:31
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Re: The "Buying a house in Switzerland" thread

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In the grand scheme of things, repainting a wall is no big deal!
It's not about repainting, it's about repairing/filling the holes then repainting, or in the case of a bathtub, fixing chipped porcelain takes some time and effort. Not a nice surprise when you find a lot of them.
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Old 01.10.2012, 22:38
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Re: The "Buying a house in Switzerland" thread

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It's not about repainting, it's about repairing/filling the holes then repainting, or in the case of a bathtub, fixing chipped porcelain takes some time and effort. Not a nice surprise when you find a lot of them.
A bath tub is not expensive, if it's 10 years old you should assume it's of zero value, whatever the seller says, same for the kitchen! Houses depreciate.
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