Buying or renting home
Mortgages, affordability, property costs
Guides for this situation (16)
The guides below cover the topics that matter most at this stage.
Building Your Own Home: Budget, Financing and Pitfalls
What to include in the budget, how construction loans work and why a reserve matters.
🏠 Mortgage & PropertyBuying Property in Switzerland: Equity, Affordability and Costs
How much equity you need, what banks calculate and which costs surprise first-time buyers.
🏠 Mortgage & PropertyCan Foreigners Buy Property in Switzerland? The Lex Koller Rules
Which permits allow a home purchase, what is restricted and where to check the rules.
🏠 Mortgage & PropertyHow to Negotiate a Better Mortgage in Switzerland
Where margins differ, when to ask and why brokers and early renewals can save thousands.
🏠 Mortgage & PropertyMaintenance and Renovation Costs for Swiss Homeowners
How much to budget each year, what is tax-deductible and how condominium funds work.
🏠 Mortgage & PropertyMortgage Amortization: Direct, Indirect or Not at All?
Compare the ways to repay a Swiss mortgage and the effect of the Eigenmietwert reform.
🏠 Mortgage & PropertyProperty Taxes and Tax Values in Switzerland
What the tax value is, which property taxes exist and how land transfers are taxed.
💳 Loans & CreditRefinancing and Early Repayment: When Does It Pay Off?
How to compare switching costs with interest savings and what contracts allow.
🏠 Mortgage & PropertyRent or Buy? A Decision Guide for Swiss Households
The factors that matter beyond the monthly payment: equity, risk, flexibility and tax.
🏠 Mortgage & PropertySARON vs. Fixed-Rate Mortgage: Which One Should You Choose?
Understand the mortgage types available in Switzerland and how to weigh certainty against cost.
🏠 Mortgage & PropertyStress-Testing Your Mortgage: Can You Handle Higher Rates?
A simple way to test your budget against rate rises and falling income.
🏠 Mortgage & PropertyThe End of the Eigenmietwert: What Changes for Homeowners
Swiss voters decided to abolish the imputed rental value. Here is what it means for taxes and mortgages.
🏠 Mortgage & PropertyThe Home Purchase Process in Switzerland: From Offer to Land Register
The steps, the role of the notary and how long each part takes.
🏔️ Retirement & PensionsUsing Your Pension Fund to Buy a Home (WEF)
How the early withdrawal for home ownership works, its tax effect and the risks for your cover.
🏠 Mortgage & PropertyMoving Out of a Rental: Notice, Handover and Getting Your Deposit Back
The steps from termination to a clean handover and the release of the rent deposit.
🏠 Mortgage & PropertyRenting Out Property: Income, Costs and Tax
How rental income is taxed, what you can deduct and what to check in the lease.
Calculators for this situation
Use our calculators to get personalized results for your situation.