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With us, you have best chances of finding the right property. We are the best-known real estate marketplace in Switzerland.
You do not need to be a mortgage expert. We are happy to advise you on financing.
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Step by step towards your property ownership
You search according to precise criteria, save your favourites and create property alerts. So you will never miss an interesting property.Search for properties
Set a budget
You get an overview of your financial resources, evaluate your possibilities and set yourself a savings target.Calculate the maximum purchase price
You check the location as well as the value of the property and visit the properties of your choice. Our checklist supports you.Checklist for the visit
Find a mortgage
You choose the property you would like to buy and compare suitable mortgages. We are also pleased to give you personalised advice.
Favourable mortgages – We provide you with independent advice
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Real estate purchase – what we can do for you
Frequently asked questions about mortgages
To apply for a mortgage you will generally be required to provide at least 20 % of the property purchase price from your own funds. A bank or insurance provider will then lend you the money to purchase the property. In return, you pay regular interest to the lending institution. While you will not necessarily need to pay back the first mortgage, the second mortgage has to be repaid in instalments within a predefined period, generally 15 years.
Banks and insurers generally offer three types of mortgage.
The fixed-rate mortgage
You finance your property for an agreed period, generally between 2 and 20 years. The most common option is 10 years. The interest rate is fixed at the outset and does not change. This allows you to budget the costs, which provides a degree of planning security.
The money-market mortgage (or Libor mortgage)
The mortgage interest rate is based on the daily Libor rate plus a fixed, agreed margin (profit margin). That means it changes all the time. This mortgage is attractive if you expect interest rates to fall and would like to profit from that.
The variable-rate mortgage
With no fixed period defined, this is particularly suitable for covering short-term bridging needs or for smaller amounts for which you would not get other types of mortgage. The interest rate is considerably higher, however. It is based on the general interest-rate level, and can be changed by the lending institution at any time.
In addition to the mortgage and your own funds, there are ancillary purchase costs, in the form of taxes and fees, attached to every property purchase. Depending on the canton, they range from 1 % to 5 % of the purchase price. Our calculator assumes an average rate of 2,5 % for ancillary purchase costs.
Possible ancillary costs
– Property transfer tax
– Notarial fees
– Land registry fees
– Promissory note fees
Our tip: Get the respective information from the canton concerned and avoid unpleasant surprises.
A first mortgage will cover up to 65 % of the property purchase price. If you cannot completely finance the rest from your own funds you will need a second mortgage to bridge the gap. You will have to pay this off within a predefined period (maximum 15 years) and in any case by the end of your 65th year of life.
The mortgage comparison by FinanceScout24
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