The basics: Living in Switzerland
Moving to Switzerland leads to many questions, especially with regard to choosing the right place to live. Should I rent or buy? What legal regulations apply to foreign buyers? Which financial aspects need to be considered?
In addition to the fundamental decision of whether to rent or buy, it is important to carefully consider the legal framework and financial factors when finding a place to live in Switzerland.
Purchasing real estate has no influence on one’s eligibility for a residence permit.
Defining your housing requirements (central location, proximity to schools/place of work, budget
Initial market research into rental or purchase options
Financing plan: calculating monthly charges, comparing mortgage rates
Searching for objects on online platforms & via our partner network
Scheduling viewing appointments & preparing one’s application dossier (e.g., extract from the debt collection register)
Comparing rental terms or purchase offers
When renting: examining the rental agreement & rental deposit
When buying: securing a financing commitment & notarial certification
Transferring ownership & listing in the land register
Learn what is important when buying and selling real estate in Switzerland. From initial planning and property search to contract execution: receive valuable tips on financing options, contract negotiations, and legal requirements to ensure a secure and successful real estate transaction.
(in German)
Discover the key aspects of a real estate purchase agreement that regulates the transfer of ownership and protects both contractual parties. Learn about the seven essential elements of each contract and why a thorough analysis is indispensable. Use our expert advice to identify potential risks and ensure that your purchase is safe and favorable.
(in German)
Learn about the deciding factors when financing your own home. Discover the various types of mortgages as well as the ways to create the best possible financing strategy for yourself. Careful planning and regular adjustments of your financing strategy are key to long-term financial success – find out why.
(in German)
Seeking to purchase or sell real estate in Switzerland requires complex decisions. Our guide provides an overview of market analysis, financing, and legal basics – so your real estate transaction is well planned.
(in German)
The purchase agreement is at the heart of every real estate purchase in Switzerland. It governs all rights and obligations in a binding manner and only enters into force upon notarial certification. Our fact sheet explains what you need to consider.
(in German)
Erfahren Sie, wie Sie mit der richtigen Vorbereitung Ihre Relocation in die Schweiz reibungslos gestalten – für einen erfolgreichen Start in Beruf und Alltag.
smzh ag and its network of experts accompany you professionally in your search for a home or in your purchasing process.
Get non-binding advice from our experts. We help you find the housing solutions that best meet your needs.
We handle questions about searching for a home and buying real estate on a daily basis. These are the most frequently asked ones:
Yes, you can, but restrictions apply depending on the canton and your residence status. Persons with a B or a C permit can purchase a home under certain conditions.
Generally, a down payment amounts to at least 20% of the purchase price.
You usually conduct your search using real estate platforms or a broker. It is important to have all application documents (salary statements, extract from the debt collection register) ready.
In addition to the purchase price, buyers must cover notary fees, the costs of entry in the land register, and potential property transfer tax.
