Buyers must raise one fifth of the purchase price themselves.
For a house costing CHF 1 million, you would therefore need at least CHF 200,000. Equity capital includes money in your bank account, securities and loans from third parties (family, friends, etc.), and you can also withdraw or pledge pension fund assets for owner-occupied residential property.

The monthly costs incurred may not exceed 35% of the gross household income. These costs are made up as follows:

• Calculated mortgage interest rate of 5% (usually differs from the effective interest rate);

• ancillary costs of a flat rate of 1% of the property value;

• Amortisation costs (if there is a repayment obligation);

For a house that costs CHF 1 million and is financed with 80 per cent debt, you would need an annual income of at least CHF 152,000.

A financing confirmation is usually an informal commitment by the bank in which it declares its willingness to finance a specific purchase object.

The stated purchase price reflects our well-founded expectations and is not negotiable. All prospective buyers will be informed of any price changes.

• Notary fee for the notarisation of the purchase contract (generally between 0.1 and 0.5% of the purchase price, which is normally divided equally between the parties)

• Transfer tax (generally between 1 and 2% of the purchase price, depending on the canton)

• Land registry fee (generally between 0.1 and 0.5% of the purchase price, depending on the canton)

• Possible notary fees for the issue of a new promissory note

Yes, if you live in the property yourself. However, if you are going to rent out the property, you must be able to afford the financing without pension capital.