Buying a studio flat in Switzerland

A studio is a compact form of urban living: a one-room flat that combines sleeping, living and usually also cooking/dining in a single space. It is an efficient layout that is easy to maintain. For singles, weekly commuters and first-time buyers, a studio is an easy way to get onto the property ladder. Investors appreciate the good letting potential in areas with educational institutions or a high concentration of jobs, and the manageable maintenance is another strong selling point.

Buying a studio flat – benefits and ideal buyers at a glance

• Ideal for singles, commuters, students and weekday residents

• Relatively low price and low maintenance costs

• High demand in city centres; the trade-off is the limited living space

• Easy to let out; vacancy risk depends heavily on the immediate neighbourhood

Market overview: studios and one-room flats in Switzerland

Around 315’987 units in Switzerland’s housing stock are 1-room flats. In the last five years, around 13’442 new 1-room properties have been built. The vacancy rate for one-room flats is 1.27%, which is above the overall average of 1.3%. Although these figures do not specifically refer to studio flats, they indicate that there is availability in this category; however, demand remains high in urban locations, where vacancy rates are generally lower than in more remote areas.

What costs are involved in buying a studio?

The purchase price is mainly influenced by the location, year of construction, condition, energy efficiency and floor plan. The buyer will incur additional costs for the notary and land registry, as well as a transfer tax, which may or may not be levied (this depends on the canton in question). If you are purchasing a flat within a block of flats (STWEG), contributions to the renovation fund and administrative fees must be taken into account. A 20% deposit is standard; in order for a property to be considered affordable, living costs should not exceed approximately one-third of the buyer’s income, including the imputed interest rate and amortisation. For owner-occupied properties, the imputed rental value is relevant for tax purposes; for properties that are let out, rental income is taxable and maintenance costs can be deducted. In some cantons, property tax is also payable.

A step-by-step guide to deciding whether a studio flat is right for you

1. Define your goals and budget; obtain confirmation of financing from the bank.

2. Check the location: proximity to public transport, universities, workplaces, shopping.

3. Analyse the property: copy of the land registry entry, rules governing the property (STWEG), renovation fund, condition of the building, energy.

4. Calculate costs: ancillary costs, financial reserves, any building lease interest, insurance.

5. Calculate return on investment (for rentals): market rent, demand, provisions of tenancy law.

6. Sign the purchase agreement at the notary’s office and organise the handover.

Next steps

Start the search for studios in your desired region now. With us, you can find the latest listings, request documents and arrange viewings. At the same time, make sure to clarify your financing so that you can take a quick and informed decision when you find a suitable property.