News and practical information from the world of mortgages and real estate.

Buying a property is one of the biggest financial decisions in life and requires careful planning. In addition to choosing the right property, financial aspects such as selecting the appropriate mortgage and conducting a thorough mortgage comparison play a crucial role. A rushed purchase or inadequate planning can lead to high costs or unpleasant surprises…

The Swiss real estate market will remain dynamic in 2025: Lower key interest rates, rising property prices, and ongoing challenges in housing construction will shape developments. While falling mortgage rates make homeownership more attractive again, access remains challenging due to stricter financing requirements and limited supply. Here’s a concise overview of the key trends and…

The dream of owning a home often fails in Switzerland due to a lack of equity. However, Pillar 3a, a key component of retirement planning, can under certain conditions be used to purchase residential property. But how does this work exactly, and what needs to be considered when it comes to early withdrawal or pledging?…

Choosing the ideal place to live is one of the most important decisions in life for many people. Factors such as quality of life, accessibility, and financial affordability play a crucial role. In this blog, we explore general trends and take a closer look at the Lake Constance region. The UBS Residential Attractiveness Indicator 2024…

The planned abolition of the imputed rental value raises many questions for homeowners: What does this reform mean in concrete terms? What impact will it have on taxes and investments? And how should property owners prepare for these changes? In our blog post, we delve into the background of this decision and provide an overview…

Many homeowners underestimate the challenges that come with reduced income during retirement, risking financial strain or even the loss of their homes. In this blog post, you’ll learn why early planning is essential, which strategies can help make your mortgage sustainable in the long term, and how to avoid forced home sales. As experienced mortgage…

The final Basel III standards will come into effect in January 2025, bringing changes to the mortgage industry in Switzerland. This blog post provides an overview of the key adjustments, their impact on mortgage lending, and offers guidance on how customers can prepare for the changes to secure the best financing conditions. HYPOHAUS is here…

Purchasing property in Switzerland as a foreigner can be a complex process due to specific regulations and restrictions. Depending on factors such as your residency status, nationality, and intended use of the property, you may need special approval to proceed. This guide explores the key rules and requirements, helping you navigate the Swiss real estate…

The path to home ownership is a big and exciting step that should be well planned. To make the process easier for you, we at HYPOHAUS have compiled the most important steps in a factsheet. The process First, you view the property and express your intention to buy if you are interested. A written purchase…

Switzerland has a unique real estate market in many aspects. Compared to other countries, there are specific rules and peculiarities that strongly influence the purchase and ownership of real estate, especially for expats and people with a residence permit. In this article, we take a closer look at these differences and explain how the real…