Inform
You will find the most important topics around purchase, financing, development and investment explained clearly.
Real estate guide Switzerland
Understand real estate. Plan your home. Build your future.
VEEDU is aimed especially at the Tamil community in Switzerland, who want to understand real estate better and prepare their next steps well.
Whether Buying, Owning, Developing or Investing – we explain the important real estate topics simply, in a structured way and without complicated banking jargon.
Choose your topic
Where are you right now?
VEEDU guides you to the information that fits your situation.
First home
You want to buy for the first time and understand budget, equity, affordability and mortgage.
Prepare a first purchaseHomeowner
You already own a property and want to know what options you have.
See your optionsRenovate
You are planning kitchen, bathroom, WC, roof, façade, conversion or larger works.
Plan a renovationInvest further
You want to check whether an additional property or an investment property is possible.
Check the yieldTaxes
You want to understand imputed rental value, maintenance, debt interest, rental income and property gains tax.
Understand taxesKnowledge
Terms like land register, mortgage certificate, first rank, easement and amortisation explained simply.
Real estate knowledgeCalculators
A first orientation on purchases, equity, loan-to-value, affordability and refinancing.
Open the calculatorsAdvice
You would like to have your situation assessed personally.
Start an enquiryVEEDU offers orientation and knowledge. The content does not replace an individual bank review, financing commitment, legal advice or tax advice.
A well-practised process
Calculate
Use the purchase and refinancing calculators to get a first orientation.
Assess
You describe your plan and recognise which questions should be clarified next.
Move forward
We show you which areas of expertise may become relevant.
Free checklist
Free: financing checklist
Prepare the key documents for the financing review in a clear structure. The printable checklist guides you through personal documents, equity and property documents.
- Personal documents, equity and property documents at a glance
- Practical fields for your name, property, date and notes
- Bilingual in German and Tamil
Calculators
Assess a purchase or refinancing clearly.
Check the key guidelines for a purchase or new financing transparently and directly in your browser.
Your details
Purchase
Calculates two indicative checks from purchase price, total equity and income. Lending value, source of equity and purchase costs are not checked.
CHF
CHF
CHF
Notary fees and other purchase costs vary by canton and are not included.
CHF
CHF
CHF
CHF
Project
Ready for your calculation
Enter your figures and select “Apply”.
Enter your figures and select “Apply”.
Estimated monthly costs
Estimated monthly costs
Estimated monthly costs using your assumed interest rate. Bank affordability is calculated separately at 5%.
%
Interest–
Amortisation–
Maintenance reserve (1%)–
Total per month–
Assumptions: 5% stress-test interest, 1% maintenance and ancillary costs, amortisation of the portion above two thirds within 15 years, maximum 80% loan-to-value and maximum one-third affordability. The monthly estimate uses your assumed interest rate and an optional 1% maintenance reserve. Lending value, source of equity, purchase costs, other obligations and bank-specific criteria are not checked.
Taxes
Understand taxes
Property taxes explained clearly.
Imputed rental value with the reform from 2029, debt interest, maintenance, rental income and property gains tax – explained for orientation, not tax advice.
FAQ
View frequently asked questions
Clear answers to frequently asked questions.
Answers about consultations, buying a first home, financing, property ownership and investing.
Do you have a concrete project?
Describe your plan and choose where you need our orientation next.