Mortgages Guide Own & Renovate
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Direct or indirect repayment – the right method of repayment for you
When it comes to repaying the second mortgage on a property, there are two ways of doing so: direct repayment or indirect repayment. Both options have advantages and disadvantages. When thinking about your mortgage repayments, you should take a long-term view and consider your personal circumstances.
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Paying off your mortgage – reasons for and against voluntary repayment
Compared to their international counterparts, Swiss property owners have large mortgage debts, which they often do not pay off. There are good reasons for this. Nevertheless, it can make sense to repay a first mortgage, even when there is no obligation to do so. Find out when voluntary repayment is beneficial and when it is better for you not to pay off any more of your mortgage.
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Construction projects on your home and garden: These setback lines apply.
Anyone planning to build an extension to their house or erect a boundary treatment around their lot must observe the setback lines of houses, fences, and trees in accordance with neighbor law. What you need to be aware of and when it is a good idea to call in a specialist.
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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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Extending your mortgage. Adjust real estate financing to suit your changing needs.
If you extend your mortgage, your needs should take center stage. Perhaps you would like to simultaneously increase your mortgage or repay it? Find out the important aspects of follow-up financing.
