Real estate purchase in Switzerland: Finance, taxation and a solid mortgage file
Buying property in Switzerland is much more than just comparing mortgage rates. You need to anticipate all the costs (interest, amortization, maintenance, property taxes, transfer duties), evaluate the tax impacts (imputed rental value, deductions), validate your solvency, and present a flawless file to banks and insurers.
At FBKConseils, we model your project from A to Z to secure your decision, optimize your costs, and obtain competitive financing conditions.
Why choose FBKConseils for your property purchase?
At FBKConseils, our entire team is highly qualified, trained, and passionate, bringing expertise across multiple fields to support you throughout your real estate project.
A 360° view of real costs
We go beyond rent vs. mortgage payments: mortgage interest, amortization (down to 66%), maintenance, property tax, transfer duties, and the opportunity cost of equity. You receive a clear projection of your finances in the short, medium, and long term.
Tax optimization and amortization strategy
Imputed rental value, deductible interest, direct vs. indirect amortization through the 3rd pillar, maintenance expenses (forfait/actual costs): we design the most tax-efficient scenario based on your canton, income, and goals.
Financing strategy & solvency
Equity sources (cash, 3rd pillar, pledging, gifts/advances), the 20% rule (with at least 10% outside of the 2nd pillar), and the debt-to-income ratio ≤ ~1/3 of gross income: we structure your financing, choose the right mortgage products (fixed, SARON/variable, staggered tranches), and calibrate the duration.
A strong and well-negotiated mortgage file
We gather the documents, position your file with the right institutions depending on your profile (loan amount, location, complexity), and negotiate the offer, timelines, and clauses (penalties, exit options) to secure the best possible deal.
Our offers to support your real estate purchase
With us, everything usually starts with a free introductory meeting, either in our office or via video call, to discuss your needs and guide you towards the best possible solution.
0.-
Includes:
- 15-minute introductory consultation.
- Answers to your first questions.
- No commitment.
195.-
/hour
Includes:
- 15-minute introductory consultation.
- Full cost projection (interest, amortization, maintenance, taxes, transfer duties).
- Tax simulation: imputed rental value, deductions, direct/indirect amortization, solvency and equity structure.
- Preparation & submission of your mortgage file.
- Negotiation with banks/insurers and follow-up until signature.
They already trust us.
The interest rate and duration, amortization structure (direct/indirect), exit penalties, and flexibility (staggered tranches, portability). Always compare the overall offer, not just the rate.
No, it’s not mandatory. You can combine different sources of equity. Withdrawing your 2nd pillar can help reach the required 20%, but it reduces your retirement benefits and may trigger a withdrawal tax. We always simulate EPL before deciding and consider alternatives such as pledging or using the 3rd pillar.
Direct: debt decreases every year → interest decreases, fewer tax deductions.
Indirect (3rd pillar): payments are deductible, funds remain until the end of the mortgage term → often a stronger tax benefit, with the nominal debt unchanged.
Depending on the canton/municipality, you should budget for transfer duties, notary fees, land registry fees, which usually amount to about 5% of the purchase price. We include these in your financial plan from the start.
Cash/savings, 3rd pillar, gifts/advances on inheritance, and in some cases pledged securities. Reminder: at least 10% of the required 20% equity must come from funds outside of the 2nd pillar.
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