Switzerland Own & Renovate
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Renovating: What you need to consider during planning
Planning is key if you want your renovation to be a success. Matters such as the cost of renovating your home and how you will finance this are not the only things to consider. Find out which building elements should be replaced and when, and what you need to consider during planning.
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Renovating: The most important facts about refurbishing or renovating in a nutshell
A new kitchen, the renovation and insulation of the exterior walls, or solar panels on the roof: Refurbishing and remodeling come in many forms. Find out why a renovation can be worth it and what you need to bear in mind during the renovation process.
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Renovation costs: Tips for calculating the investment
How much does it cost to renovate your house or your apartment? A realistic budget is key to being able to fully enjoy your upgraded home. Learn how to correctly budget the investments for a renovation and where you can save money.
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Renovating and refurbishing with pension capital. What is permitted?
Renovating residential property can quickly become expensive. Under certain conditions, money from your own pension provision can provide relief. Find out more about when the withdrawal of capital from pillar 3a for renovations is possible and how you can even use your pension fund assets as part of the promotion of home ownership program.
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Greater security thanks to a forward mortgage.
Mortgage interest rates are currently at record lows and many homeowners want to take advantage of this. With a forward mortgage, you can fix the interest rate of a future fixed-rate mortgage right now, even if your current mortgage has not yet reached the end of its term.
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Mortgage refinancing. How to transfer your mortgage.
There is a lot to consider when you want to change banks and refinance your mortgage. Learn how to transfer your mortgage, why it is not enough to just compare mortgage interest rates, and when it pays off to refinance your mortgage despite the early repayment penalty.
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Homes in old age: planning today is better than tomorrow.
Sooner or later, people who own a house or an apartment will need to consider what will happen with the property in old age. Is the mortgage still affordable? Is the home age-appropriate? Should the house be signed over to a child one day? It is a good idea to consider this early on.
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How Rising Interest Rates Could Affect Homeowners
In relation to its economic performance, Switzerland's economy has similar levels of debt to Italy, the US, and China. Mortgage debt is particularly high. Despite the high number of fixed-rate mortgages, rising interest rates should not be underestimated.
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Between Two Homes: Complex Transitional Financing
If you own your own home, you could be confronted at any time by events that turn into complex financing problems. Cases in point are the purchase of a new home, or the separation of married couples with a joint mortgage. Risk protection is valuable in these instances. However, frequently even this is of no help. The financial barriers often seem insurmountable, as the following example shows.
