Our financing experts are at your side!
Personal advice
Individual financing concepts, perfectly tailored to your situation
Best conditions
Access to attractive mortgage interest rates through our broad partner network
Transparent calculation
Clear overview of all costs – no hidden fees
Fast processing
Prompt financing approval for Your purchase decision
How financing works in Switzerland
1
Equity (at least 20%)
To purchase a condominium in Switzerland, you need at least 20% equity. Of this, at least 10% must come from "hard" equity (savings, securities, gifts). The remaining 10% can be drawn from a pension fund or pledged.
2
Mortgage (maximum 80%)
The remaining 80% of the purchase price can be financed through a mortgage. We distinguish between
- Mortgage (up to 65% of the purchase price): Does not need to be amortized
- Mortgage (65-80% of the purchase price): Must be amortized within 15 years or by retirement
3
Portability
Financing is considered affordable if the annual costs (mortgage interest, amortization, and utility costs) do not exceed 33% of your gross income. This is based on an imputed interest rate of 5%.
Frequently Asked Questions about Financing
Can I use pension fund funds?
Yes, you can either withdraw or pledge your pension fund funds for owner-occupied housing. A withdrawal reduces your retirement benefits, while pledging them leaves them unaffected.
What additional costs are incurred when purchasing?
In addition to the purchase price, you must expect the following additional costs:
- Transfer tax: 1-3% (depending on the canton)
- Land registry fees: 0.1-0.5%
- Notary fees: 0.1-0.5%
- Possible brokerage fees
What are the current mortgage interest rates?
Interest rates vary depending on the term and provider. We would be happy to provide you with a current overview of the best terms and conditions from our partner banks.
What happens if interest rates rise?
The affordability calculation already uses 5%, even if current interest rates are lower. This way, you're on the safe side even when interest rates rise.
Your path to optimal financing
-
1
Initial consultation
Free analysis of your financial situation and options -
2
Financing Concept
Tailor-made concept with various options -
3
Offer Comparison
Best conditions by comparing multiple financing partners -
4
Completion
Professional support until the purchase is completed
Why you can trust us
- 30 years of experience in the Swiss real estate market
- Independent advice with access to all major financing partners
- 100% discreet – your data will be treated confidentially
- Personal contact person throughout the entire process
