Frequently asked questions about property and financing.

In the first conversation, we discuss your starting point, your goals and your open questions. We then show you which options may be available, which documents are needed and what the next steps could look like.

The initial consultation is free and non-binding. The fee for further advice and support depends on the scope of the assignment and is agreed transparently and in writing before the collaboration begins.

Yes. The consultation can take place in German or Tamil. Complex property and financing topics are explained clearly and step by step.

Once all required documents are complete, an initial assessment can usually be made within a few working days. Complex situations or missing documents may require more time.

We explain clearly which reasons speak against financing and which points could be improved. This can lead to concrete next steps for possible financing at a later date. Financing cannot be guaranteed.

Personal and financial documents are treated confidentially and used solely for the agreed purpose. They are shared with potential financing partners only within the agreed assignment and with your consent.

For an owner-occupied home, at least 20% equity is normally required. For a purchase price of CHF 1,000,000, this equals CHF 200,000. The remaining CHF 800,000 can generally be financed with a mortgage.

For an owner-occupied home, funds from the pension fund and pillar 3a can generally be used. However, at least 10% of the property value recognised by the bank must come from funds that do not originate from the pension fund.

Additional costs may include notary fees, land registry fees, property transfer tax or charges and the mortgage certificate. The exact amount varies by canton, property and personal situation. Reserves should also be planned for renovations and unexpected expenses.

Financing is generally based on the lower of the purchase price and the bank valuation. If a property costs CHF 1,000,000 but is valued at only CHF 900,000, approximately CHF 280,000 in own funds may be required.

Affordability indicates whether the income is sufficient over the long term to pay interest, amortisation, maintenance and ancillary costs. The calculated housing costs should normally not exceed roughly one third of sustainable gross income.

Amortisation means that part of the mortgage is repaid gradually. This can happen directly by reducing the mortgage or indirectly through a pledged pillar 3a account.

A fixed-rate mortgage offers a fixed interest rate and a high degree of planning security. With a SARON mortgage, the interest rate can change. The suitable solution depends on the personal situation, financial reserves and individual need for security.

An increase may be possible if there is sufficient loan-to-value capacity and affordability remains within the required range. The financing partner also reviews the intended use and the possible future value of the property.

No. Financing partners usually require more equity for investment properties. They also assess rental income, possible vacancies, maintenance and the long-term financial viability of the property.