The Home Purchase Process in Switzerland: From Offer to Land Register
The steps, the role of the notary and how long each part takes.
5 min read · Mortgage & Property
Life situations: Buying or renting home
Buying a home follows a clear sequence. Knowing it helps you avoid delays.
Before the offer
Get a bank pre-approval, check the documents and consider an independent valuation. For flats, read the regulations and the renewal fund details.
Example with default values. Open the calculator →
The contract
- A reservation agreement, often with a deposit.
- The notarised purchase contract and the mortgage documents.
- Registration in the land register, which makes you the owner.
Closing
Payment, handover and key transfer follow within weeks of signing. Have the cash for fees ready. Plan it with the equity and closing cost calculator.
Try it yourself: Equity & Closing Costs Needed
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Minimum equity (20 %)CHF 180'000
- Of which hard cash (10 %)
- CHF 90'000
- Closing costs
- CHF 27'000
- Cash needed on closing day (hard equity + costs)
- CHF 117'000
- Max mortgage (80 %)
- CHF 720'000