Practical guide
Practical information
Everything you need to know about buying in Switzerland, the costs to expect, schools in the region and our latest news.
How much can you borrow?
Swiss banks set two limits: at least 20 % of the price in equity, and theoretical costs that stay below a third of gross income. This calculation applies both rules.
Within the usual lending limits.
- Mortgage
- CHF 1'100'000
- Loan to value
- 73.3 %
- Actual monthly cost
- CHF 3'639
- Share of gross income
- 30.7 %
Interest at the rate entered, maintenance and amortisation included.
Theoretical costs, the bank's calculation
- Theoretical interest at 5 %
- CHF 55'000
- Maintenance and charges at 1 %
- CHF 15'000
- Second-rank amortisation over 15 years
- CHF 6'667
- Annual total
- CHF 76'667
- Gross income required
- CHF 230'000
- Price you could finance with this income and equity
- CHF 1'581'081
An indicative calculation based on the usual rules of Swiss banks. Each lender applies its own criteria and its own valuation of the property, which can be lower than the purchase price.
Talk about your financingOur guides
What to know before buying or selling in French-speaking Switzerland, explained without jargon.
Buying in Switzerland according to your residence permit
Your right to buy depends less on your nationality than on the paper in your pocket.
Read the guide →Acquisition costs in canton Vaud
Allow 3.75 to 4% of the price on top of the price. That is the line buyers forget.
Read the guide →Selling your property in canton Vaud
Six to nine months between the decision and the money in the account. Here is where that time goes.
Read the guide →Questions?
Our team is here to guide you and answer any question about buying property in Switzerland.
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