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Condominium ownership in Switzerland: individual rights and joint obligations

Condominium ownership in Switzerland: individual rights and joint obligations 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

In Switzerland, condominium ownership is a popular form of home ownership that makes it possible to own a flat in an apartment block. The question often arises: which areas belong…

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Decision support after the inheritance: renting out or selling the property?

Decision support after the inheritance: renting out or selling the property? 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

Inheriting a property often raises a crucial question: should the inherited property be rented out or sold? Let’s be clear from the outset: this decision is complex and depends on…

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1st and 2nd tier mortgage

1st and 2nd tier mortgage 2560 1440 HYPOHAUS - Swiss Mortgage Broker Experts

If you want to take out a mortgage, sooner or later you will come across the terms “1st mortgage” and “2nd mortgage” during a consultation with your advisor. Have you…

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Rent or buy: an important decision

Rent or buy: an important decision 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

The decision between renting and buying: making an informed choice The choice between renting and buying a property is a crucial milestone in adult life. Making a well-considered decision that…

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Risks of a mortgage and home ownership

Risks of a mortgage and home ownership 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

Introduction What are the risks of buying a house and the associated mortgage? The average debt per capita in the form of mortgage loans in Switzerland is a multiple of…

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How to use the 3a Third Pillar with your mortgage

How to use the 3a Third Pillar with your mortgage 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

The use of pillar 3a to provide for home ownership The pillar 3a of retirement planning offers the possibility to use the saved capital for the purchase or financing of…

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Home Ownership – What should be considered in the Event of Divorce?

Home Ownership – What should be considered in the Event of Divorce? 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

What happens to the property in the event of a divorce? It is unpleasant, but nevertheless necessary to think about such scenarios, because when a couple separates, many questions often…

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One-time and Recurring Costs when buying Real Estate

One-time and Recurring Costs when buying Real Estate 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

When you think of the costs of buying a property, interest costs and amortisation come to mind quite quickly. However, public charges such as taxes and fees are often forgotten.…

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Buying a Holiday Property – What needs to be considered?

Buying a Holiday Property – What needs to be considered? 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

Have you ever dreamed of buying a holiday home in the Swiss mountains or a holiday flat in Ticino, Switzerland’s sunniest region? You are not alone. In the wake of…

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Advance Withdrawal from the Pension Fund – What to bear in Mind

Advance Withdrawal from the Pension Fund – What to bear in Mind 2560 1707 HYPOHAUS - Swiss Mortgage Broker Experts

An early withdrawal from the pension fund is a common way of obtaining the necessary equity capital for the purchase of residential property. However, various legal rules must be considered,…

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