Mortgages Guide 1 x 1 of Home Ownership

1 x 1 of Home Ownership

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  1. Real estate gains tax: Taxes are due when selling a house

    Capital gains when selling a house? This tax must be paid.

    If you sell real estate or a site at a profit, you must pay a real estate gains tax. Its amount is regulated in the tax law of the respective canton. Find out why the period of ownership also determines how much tax you must pay when selling a house.

  2. Insure your house: buildings insurance and other types of home insurance

    Protect your house. How to ensure you're well covered.

    When you buy or build your dream home, you want to protect it. There are various ways of insuring a house. Find out which types of home insurance are required and what other types of insurance might be sensible.

  3. Property taxes: How to correctly pay your property taxes

    Paying property taxes right: How you can save on taxes

    Every owner has to pay taxes on their property. If you plan ahead, there are various tax deductions for owner-occupied homes. Find out what taxes are placed on properties and how you as a home owner can save money on taxes. 

  4. Real estate valuation – calculating the market value

    How real estate is valued

    Knowledge of how real estate is valued is indispensable, especially if you are buying or selling a property. A valuation may also be relevant when renewing your mortgage. However, numerous questions may arise in this regard. Read here about how real estate is valued.

  5. Vacancies: Vacancy rate is rising sharply again

    More vacant apartments than ever before – yet construction continues

    There are now more vacant apartments in Switzerland than ever before. Although these vacancies mainly affect rental apartments, the vacancy rate for owner-occupied property has likewise increased. This, however, is down to other factors.

  6. Debt-in-Switzerland-is-high-due-to-mortgage-debt

    Debt not increasing as fast as before

    Switzerland has one of the world's highest debt ratios for private households, and the figure is continuously increasing. Find out why high mortgage debt is problematic for a country, and where the trend is likely to go in the next few years.

  7. libor-mortgages-usually-more-affordable-than-fixed-rate-mortgages

    LIBOR or fixed-rate mortgage? – spoilt for choice

    Mortgage interest rates are rising again slowly but surely. Now is the time for home owners to start thinking about their future mortgage options: LIBOR or fixed-rate? As well as considering the financial aspects, your personal requirements and preferences also need to be taken into account.

  8. property-maintenance-expenses-how-to-save-up-for-them

    How to Save Up for Property Maintenance

    Individual structural elements need to be renovated or replaced regularly to ensure your home retains its value over the years. It's never too soon for homeowners to start creating reserves to pay for these expenses. The favorable interest rate environment offers an opportunity to do just that.

  9. abolishing-the-imputed-rental-value-why-this-will-not-benefit-everyone

    Imputed Rental Value: What Do I Need to Know?

    The Swiss Property Owners Association wants to abolish the imputed rental value. A range of different motions have already been made in the Federal Assembly, but what exactly is imputed rental value and how is it calculated? Not every homeowner would benefit from the imputed rental value being abolished.

  10. Buying-a-home-how-couples-decide-which-home-to-buy

    How Women and Men Differ When Buying a Home

    Nearly three-quarters of all people buying a property are couples with or without children. But who decides which house is purchased? Are there any gender-specific differences? Credit Suisse conducted a survey of real estate agents and financing specialists.