Sale, purchase, valuation, financing – the key answers at a glance. Can't find what you're looking for? Get in touch with us directly.
Here you will find concise answers on buying, selling, valuation, financing, letting and development. Browse through the categories – or write to us directly with your question.
Basic information about Suisse Homes, our approach and what you can expect from us as an owner or buyer.
We support you with the purchase, sale, and letting of properties. In addition, we assist you with property valuation, financing, and real estate development — either for specific aspects or as a comprehensive package, depending on your needs.
We are active in several regions across Switzerland. The most efficient approach is to briefly review the location of your property and your objectives, and then define the next steps together.
We typically respond promptly after receiving your enquiry. For urgent matters, you are also welcome to contact us by telephone.
We clarify your objectives, the current situation, and the key parameters. You then receive a clear recommendation with next steps, a timeline, and an indication of the effort involved.
From the initial idea of selling to handing over the keys – what owners should know.
The right price is based on market data, comparable properties, and the specific characteristics of your property. A price set too high delays the sale; a price set too low costs you money. We position the price so that demand is generated while you retain room for negotiation.
Typically required documents include a land register extract, floor plans, floor area figures, year of construction, information on renovations, running costs, and — for condominium ownership — the key documents of the owners’ association. We will tell you exactly what is missing and assist you in compiling the full set.
Initial consultation and clarification of objectives; valuation and pricing strategy; professional preparation of marketing materials; marketing; viewings; negotiations; reservation or purchase agreement; notary appointment; handover.
No. We handle the planning, pre-qualification of prospective buyers, and the conduct of viewings. You decide whether you wish to be present.
This depends on location, property type, pricing strategy, and demand. With a well-considered positioning, the duration can in many cases be significantly reduced.
We verify financing and motivation, clarify the relevant conditions, and filter out unnecessary viewings. This saves time and protects your privacy.
What buyers should look out for when searching, viewing and closing.
The key factors are equity, affordability, and long-term costs. We help you assess your situation realistically and determine the maximum comfortable price range for your circumstances.
Condition, building fabric, building services, moisture, noise, surroundings, parking, running costs, renovation requirements, and legal framework conditions. We provide you with a clear checklist to guide you through the process.
The process involves clarifying the reservation and financing, reviewing the draft purchase agreement, the notary appointment, transfer of ownership in the land register, and finally the handover and handover of keys.
Own funds, affordability, mortgage – the most frequently asked financing questions explained.
As a general rule, at least 20 percent of the purchase price must be contributed from the buyer’s own funds. A portion of this may originate from pension savings, depending on the individual situation and the requirements of the lending bank.
In principle, this is possible — particularly for owner-occupied residential property. There are specific rules governing early withdrawal and pledging, as well as implications for pension benefits. We explain the differences and help you determine what makes sense in your individual situation.
Banks typically apply a notional interest rate and additionally take into account amortisation as well as maintenance and running costs. The objective is to ensure that the financial burden remains sustainable over the long term.
This depends on your need for security, the term, interest rate risk, and flexibility requirements. We compare different models and structure a solution that suits your life circumstances — not just today’s interest rate environment.
When fixed-rate terms are expiring, the interest rate environment has shifted, or the existing structure no longer fits your situation. We assess the potential savings and risks before you make a switch.
From the plot of land to the construction project – support for developers and investors.
We determine market value using comparable properties, market analyses, and the individual characteristics of your property — including location, condition, quality of fittings, and development potential.
An online tool can provide a rough estimate. For a sale, financing decision, or any strategic purpose, a professional analysis is considerably more reliable, as it takes into account the specific characteristics of the property and the precise market environment.
You receive a comprehensible assessment that explains which factors influence the value and how the property can be positioned in the current market.
Tenant selection, rental agreement, management – what is important when letting.
Yes. We assist with rental price assessment, listing preparation, screening of prospective tenants, viewings, and the selection of a suitable tenant.
We review creditworthiness, financial stability, and the plausibility of the information provided, and ensure thorough documentation — giving you the security you need as a property owner.
From the plot of land to the construction project – support for developers and investors.
We assess potentials, possible uses, and feasibility. We then provide support with the concept, coordination of partners, and dealings with authorities — depending on the scale of the project.
Real estate development is relevant for property owners with land, older buildings, ideas for change of use, or plans for renovation or new construction projects.
How we agree on mandates and what our support costs.
This depends on the service in question. For brokerage, remuneration is often success-based; for valuations or advisory services, it may be a flat fee or charged according to time and effort. You will receive a clear overview in advance.
Yes. For example, you can engage us solely for a valuation, solely for financing clarification, or solely for a sale strategy and positioning.
Technical terms relating to real estate – explained briefly and clearly.
Market value is the price that a property can currently achieve under normal market conditions. It is based on supply and demand as well as comparable properties. Market value is not a wishful figure — it is a realistic assessment of what the market will bear.
Fair market value generally corresponds to market value. It is frequently used in legal or official contexts and describes the objective value of a property at the time of valuation.
The purchase price is the amount that the buyer and seller actually agree upon. It may be above or below market value, depending on demand, negotiation, and the specific circumstances of the transaction.
A mortgage is a loan granted by a bank for the purchase or construction of a property. The property itself serves as collateral for the bank.
Affordability describes whether a financing arrangement is sustainable over the long term. Banks assess whether interest costs, amortisation, and running costs are proportionate to the borrower’s income.
Equity is the capital that the buyer contributes from their own funds. In Switzerland, at least twenty percent of the purchase price is generally required as equity.
Amortisation refers to the repayment of a portion of the mortgage. It can be carried out directly or indirectly, and reduces the outstanding debt over the long term.
Running costs are ongoing expenses such as maintenance, insurance, energy, administration, and reserves for future repairs. They are frequently underestimated, yet are decisive for the total cost of ownership.
The land register is the official register in which ownership, encumbrances, and rights relating to a property are recorded. A change of ownership is only legally effective once it has been entered in the land register.
The notary provides legal oversight of the purchase agreement and ensures that the transfer of ownership is properly executed. In Switzerland, the involvement of a notary is mandatory for property transactions.
A property brochure is the sales documentation for a property. It contains photographs, floor plans, descriptions, location information, and price details.
A building lease — also known as a right of superficies — means that a plot of land may be used and built upon without the user owning the land itself. In return, a ground rent is generally paid to the landowner.
An investment property is a property purchased primarily to generate rental income. The objective is to achieve a long-term return and capital appreciation.
Real estate development describes the planning and implementation of new construction, conversion, or change-of-use projects with the aim of increasing the value of a property.
We answer your question personally within 24 hours – discreetly and without obligation.