Mortgages Guide Articles
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Swiss real estate market in 2021: Trend reversal on housing market
The Swiss residential property market is seen as sluggish. Yet the COVID-19 pandemic has brought real movement to the most important segment of the real estate market. As well as a trend reversal in vacancies, interesting demand shifts can be seen.
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"Couples should plan in advance what to do with their house in case they separate."
Around 40% of all marriages in Switzerland end in divorce. Shared residential property makes a separation even more complicated. In this interview, Martine Gabathuler, Head of the Mortgage Center for Region Suisse Romande at Credit Suisse, talks about the consequences of divorce on a mortgage and what happens to an owner-occupied home following a separation.
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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.
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More than three-quarters of young adults dream of owning their own home
The young people of today have very similar goals and aspirations to the generations before them, yet they face major challenges when it comes to homeownership. The latest Real Estate Monitor from Credit Suisse looks at why young adults move out of the parental home later these days, and why their dream of homeownership is becoming difficult to achieve.
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Affordable living? Places in Switzerland where you have the most disposable income.
Affordable living in Switzerland? It is possible. A new study by Credit Suisse explains the five major factors that determine what makes a place attractive to live in, and it uses an interactive map to show in which cantons and municipalities people have the highest disposable income.
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"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.
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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.
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Extending your mortgage. Adjusting the financing of real estate to new needs
If you extend your mortgage, the focus should be on your needs. Perhaps you would like to simultaneously increase or repay the mortgage? Find out what you should take into consideration when extending your mortgage.
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How digitalization is decoding demand for real estate
Digitalization is making it possible to gather and evaluate key information more easily, thus enabling demand for real estate to be analyzed better. The 2021 Credit Suisse real estate study shows which trends in the housing market are emerging from this.
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Working from home boosts appeal of owner-occupied homes on urban periphery.
During the COVID-19 crisis, people realized the importance of owning their own home. Demand for residential property on the urban periphery – where real estate prices are lower – is being boosted by the increase in remote working. Homeowners are therefore willing to accept a longer commute in return for an affordable home of their own.
