Switzerland Buy & Finance

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  1. Home financing: Basic principles for financing homeownership

    Financing your own home: The most important basic principles.

    Looking to buy your own house or apartment? Only a fraction of buyers can afford to fully finance a home of their own themselves. In order to fulfill the dream of owning your own place, however, you can borrow money from a bank – in the form of a mortgage. We explain the most important basic principles on the subject of financing homeownership.

  2. St. Gallen real estate market: Affordable residential property

    "Demand for residential property in St. Gallen is likely to remain high." 

    Interested in buying real estate in St. Gallen? The region is proving increasingly popular with residential property buyers. Ladina Rhyn, Head of the Mortgage and Lending Center for Eastern Switzerland, discusses the appeal of the St. Gallen real estate market. 

  3. Applying for a mortgage. How to combine your first and second mortgages.

    If you want to combine the advantages of various financing models, you can divide your mortgage into tranches. However, whether a second mortgage really makes sense depends on your personal situation and your needs.

  4. Buying building land: Finding building parcels and purchasing a plot

    Buying building land. How to find the right parcel. 

    In the right place at the right time. This is essential if you want to buy building land. In our interview, Reiner Graf, a sales advisor with the Swiss general contractor Marty Häuser AG, explains how to find building parcels despite a lack of supply – and how builder-owners should proceed when buying a plot. 

  5. Ticino real estate market: Strong demand for real estate in Ticino

    Intense construction activity brings stable real estate prices to Ticino

    Sun, nature, and the Italian way of life: Owning a home in Ticino is an attractive prospect for many. In our interview, Alberto Donada, Head of the Ticino Mortgage Center, explains how the Ticino real estate market is progressing and what you should know before buying a house.

  6. Buying an old house: What to look out for in old properties

    Buying an old property – look out for these seven hidden costs 

    Affordable old buildings are highly sought after. But it is important to take a close look at older properties and not rush into signing a contract under time pressure. What you need to consider aside from location, price, and character when buying an old property – so you can turn an old house into your dream home. 

  7. 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.

  8. 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.

  9. 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.

  10. 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.