Switzerland Buy & Finance

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  1. Pillar 3a for residential property: advance withdrawal and pledging

    For a home of your own: Use Pillar 3a for a residential property

    Anyone in Switzerland who is lacking equity capital to purchase their own real estate can use Pillar 3a funds for residential property. Read this article to find out how this is possible and what you need to note for pledging and withdrawing Pillar 3a assets.

  2. Energy efficiency funding programs: when funding is available

    Save energy and money. What's funded by the government.

    Anyone incorporating energy efficiency when building is planning ahead, and it pays off. The federal government, cantons, and municipalities have various funding programs for energy efficiency. Find out what is funded and the right way to apply for funding.

  3. construction loan construction financing for your dream home

    Use a construction loan to build your dream home

    Many people dream about building an owner-occupied home. However, before construction can begin, you have to answer the question of how to finance the construction. In most cases, the answer lies in a construction loan from a bank. Construction loans offer a high degree of flexibility and a clear overview of all costs for building a home on credit.

  4. Promotion of home ownership: Expert interview on real estate financing

    The risks of using retirement assets to finance home ownership: Advice from the experts. 

    The promotion of home ownership scheme allows buyers to use retirement assets to purchase their first home. However, an advance withdrawal or pledging of retirement assets means taking a look far into the future. Financial advisor Alexandra Caliman and financing expert Marco Schmutz explain the risks you need to factor in. 

  5. "The tight housing market has made it more difficult to find residential property in Lucerne."

    The city of Lucerne is popular – and not just with tourists. Available residential property is especially in demand here. Sina Zemp, Head of the Mortgage Center for Central Switzerland, talks about developments on the real estate market in Lucerne and reveals her best tips for prospective buyers.

  6. libor-mortgage-or-fixed-rate-mortgage-making-the-right-decision

    LIBOR or fixed-rate mortgage? A comparison.

    Fixed-rate or LIBOR mortgage? You can make things easier on your wallet and your nerves by choosing the right mortgage. You should take not only the mortgage interest but also your personal needs and preferences into account. This comparison will help you find out which type of mortgage is right for you. 

  7. Financing a vacation condo or home: What you need to know

    Purchasing a vacation home: What you need to know.

    Many Swiss people long for a vacation home in the mountains or in Ticino. Financing a vacation condo or home is subject to different conditions than the primary residence. 

  8. Buying your first apartment – purchasing a condominium in seven steps

    Seven steps to buying your first apartment

    You have been a tenant long enough and want to become an owner and live life to the fullest in an owner-occupied home. It is time to buy your first apartment. In seven easy-to-understand steps we examine how to go about purchasing your first condominium.

  9. buying-a-house-ten-point-checklist-for-buying-a-house

    Ten things to consider when buying a house

    It's not every day you buy a house. So it is important to take enough time and inform yourself well. We explain what you need to consider when buying a house, so you don't buy a pig in a poke, and when it's worth calling in an expert.

  10. Condominium association: Obligations of condominium owners

    Living in a condominium. Your role and obligations.

    Anyone buying a condominium also assumes part of the responsibility for the entire property. How you can contribute to a harmonious condominium association and what tasks condominium owners and managers can expect.