Own a home in Zurich or the surrounding area

How do I buy real estate in Switzerland?

Buying a property is a significant investment with far-reaching financial and emotional effects. Careful preparation is essential, especially in Zurich, which is one of Switzerland’s most sought-after real estate markets. We will guide you every step of the way with our in-depth expertise, local market knowledge and personalized advice.

How do I buy real estate in Switzerland?

Every real estate purchase should start with setting a realistic budget. Here is what you need when buying a property in Switzerland:

• At least 20% of the purchase price must be equity capital
• At least 10% of this must come from uncommitted assets (not from a pension fund)
• The monthly costs (mortgage, amortization and ancillary costs) must not exceed one-third of your gross monthly income

When you have a financing commitment from your bank, you are in the best possible position to purchase a property.

Finding the right property requires more than just online research. Here are the key steps:

• Analyze the location (check transport links, infrastructure, schools, etc.) and the condition of the property
• Analyze the legal documents (such as the land registry extract and regulations in the case of a condominium)
• Carefully inspect the property – we can accompany you if you like
• Get advice from an experienced real estate agent to save time, money and stress

Own your own home with Cosmos Values

Zurich is one of Switzerland’s most expensive real estate markets, but with the right strategy, you can make a great long-term investment. Here are some tips:

• Check alternative locations in the region. For example, see if there are suitable suburbs with good public transport
• Buy an old building with potential. Renovate instead of building from scratch
• Choose compact floor plans. Efficient apartments with 3.5 or 4.5 rooms are often cheaper to maintain.

A tip for first-time buyers: Make use of search requests on real estate portals, monitor price trends and seek the assistance of an experienced local real estate agent.

Here’s what we can offer you:

• Personalized support from the initial consultation to completion of the purchase
• Comprehensive advice on financing, legal issues and market value
• Access to exclusive real estate offers
• Local market knowledge about Zurich and neighboring communities
• A discreet and reliable service