Home ownership guide
The Credit Suisse home ownership guide: Find out more about topics related to your home and read all the articles on real estate in Switzerland here.
Home ownership guide Articles
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Smart home – taking your home to the next level
The way we live is changing and adapting continuously to our needs. Thanks to rapid technological advancements, smart homes are now quite common. You can turn your own home into a smart home in no time at all just by following a few handy hints – even if you're on a tight budget. Find out everything you need to know about intelligent homes – from the basics to the latest innovations.
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Everything about the imputed rental value and its possible abolition
Those who live in their own homes must pay tax on what is known as the imputed rental value as part of their income. However, owners can, for example, deduct mortgage interest from their income. For several years now, there has been a debate on the abolition of the imputed rental value. Why does imputed rental value exist and what would be the consequences of its abolition?
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Everything you need to know about home ownership
The world of real estate is a complex environment. There are many laws to comply with and fees and taxes to pay. On the other hand, exciting trends and innovations offer the opportunity of tailoring the home experience to individual needs. Find out more in the article.
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Exciting homebuilding trends
Homeowners' needs are constantly changing, including when it comes to housebuilding. What will our homes look like in the future? What influence will technical innovations and social change have? Find out about the exciting building trends that will define the homes of the future.
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Living big in a small way: The tiny-house movement
What's the smallest space you could live in? Six square meters? Twenty? Forty-five? The latter is the Swiss average per capita. Tiny houses prove that good things do indeed come in small packages. As the perfect size for a single person, micro-houses have potential in Switzerland.
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All about easements. What homeowners need to know.
Those who know what easements are have no need to shy away from challenges as a (future) homeowner. The various aspects associated with easements that homeowners need to know about can be seen in the following example with the couple Fabienne and Christian.
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Extending your mortgage. Adjusting the financing of real estate to new needs.
If you are extending 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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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 needs.
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Mortgage refinancing. How to transfer your mortgage.
There is a lot to consider when you want to switch 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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Obtaining sufficient equity capital for your dream home: An overview
Don’t let equity capital be a roadblock to the dream of home ownership: Under the promotion of home ownership scheme, you can use funds from your retirement provision to contribute enough equity capital to secure financing for your property.
