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Old 05.01.2009, 15:33
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Buy-to-let in CH

Is a buy-to-let property admissible in Switzerland?
We would be talking probably about Kt. Wallis.
We were contacted privately by a forum member last year who had bought a buy-to-let apartment in Kt. Freiburg and who was so keen, he wanted to purchase a second one. However, does this depends from Kanton to Kanton or is it now a generally accepted practice?
As many already know, we are not resident in CH.
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Old 21.08.2020, 09:55
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Re: Buy-to-let in CH

bump up from the graveyard

I'm thinking about investing in property to balance our stocks, but the flats I would want to live in mostly do not exist, are not on the market or are prohibitively expensive (2M+).

Did anyone do a comparison for buy-to-let vs live-in property investments? We are on a C permit so legally speaking I could do it.
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Old 21.08.2020, 10:35
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Re: Buy-to-let in CH

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bump up from the graveyard

I'm thinking about investing in property to balance our stocks, but the flats I would want to live in mostly do not exist, are not on the market or are prohibitively expensive (2M+).

Did anyone do a comparison for buy-to-let vs live-in property investments? We are on a C permit so legally speaking I could do it.
You will need a higher deposit & will pay a higher rate of interest. ROI after fees & repairs is pretty low. Generally people are paying 400 months rent to buy which strikes me as absurd.
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Old 22.08.2020, 15:09
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Re: Buy-to-let in CH

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You will need a higher deposit & will pay a higher rate of interest. ROI after fees & repairs is pretty low. Generally people are paying 400 months rent to buy which strikes me as absurd.
The property I'm looking at is a 5.5 for 1M in Bülach, new building so no renovation for about 10 years at least, probably rents around 2800. You can jump in with 200k, which is 72 months of rent, or 350k to just run the interest - the latter is only 125 months of rent. In 10 years (my target investment horizon) the property prices should have grown quite stable as well as no renovation costs would be due. As an added bonus, if the rates start hiking again, the rents will also go a tad higher.

Last edited by user137; 22.08.2020 at 15:26.
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Old 22.08.2020, 22:14
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Re: Buy-to-let in CH

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I'm thinking about investing in property to balance our stocks...
Generally speaking portfolios with more that around 7% in property are considered high risk... must be some portfolio you have!
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Old 22.08.2020, 22:42
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Re: Buy-to-let in CH

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Generally speaking portfolios with more that around 7% in property are considered high risk...
[citation needed]
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Old 23.08.2020, 20:08
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Re: Buy-to-let in CH

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[citation needed]
Are you buying the property with cash or geared 5:1? this makes a huge difference,
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Old 23.08.2020, 20:25
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Re: Buy-to-let in CH

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Are you buying the property with cash or geared 5:1? this makes a huge difference,
plan would be a 4:1 leverage (20:80) or can go to 35:65 if needed to just pay interest.
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Old 23.08.2020, 20:42
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Re: Buy-to-let in CH

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you will need a higher deposit ...
50%, iirc.
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Old 24.08.2020, 23:26
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Re: Buy-to-let in CH

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50%, iirc.
oh yeah? any source? That's put a dot in the end of this thought very quickly
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