Buying your home is more than just a financial investment – it’s a life decision. And when it comes to the ins and outs of buying property, your BCV advisor has the answers to your questions.
The first step in buying a home is determining how much you can afford to spend. Our advisors will help you establish a budget based on your annual income (including your household salary plus any pension or investment income) and the amount of cash you have on hand for a down payment. They will use a simulator to calculate the maximum amount you can spend on a new home. They will take into account the ongoing cost of owning a home: as a rule of thumb, mortgage payments and home maintenance should account for no more than one-third of your household’s gross annual income.
Buying a home or apartment has its advantages. You can visit it of course (unless you are buying off-plan), so you will know immediately if it’s what you imagined. Existing homes are usually available quickly, and their price is set in advance. Still, some renovation work may be necessary.
Before making any renovations, be sure to properly assess the condition of the property – whether you currently live in it or not – and carefully plan out the work with the help of a professional, to ensure the cost estimate is realistic. Have you considered the advantages of making energy-saving improvements?
Building a home yourself lets you personalize it according to your tastes and lifestyle. But plan on spending a lot of time on it, since you'll have countless decisions to make. And be sure to work with experienced professionals, starting with the architect.
Do you want to move out of your home or transfer ownership to a family member? It’s not a decision to be taken lightly, considering the attachment you may have to your property.
To help you find the home of your dreams, BCV has partnered with newhome.ch. This website publishes ads for properties that are for sale or rent all over Switzerland.
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Owning your home is more than just an investment: it is a major decision that should be carefully considered.
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