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…

On the search for home ownership, it is not uncommon to lack the right plot of land or the necessary small change for the perfect home. A leasehold property can be a suitable solution for precisely such scenarios. But what exactly is behind this legal concept? We take a closer look at what it means…

In a world where sustainability and environmental protection are increasingly taking centre stage, green mortgages have gained popularity in Switzerland. These environmentally friendly financing options not only offer attractive interest rates, but also promote the construction and renovation of energy-efficient homes. The MINERGIE and GEAK certifications in particular play a crucial role in this process…

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 exclusively to us and which are the common property of all residents? Where is our active participation required and where can we exercise our right…

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 various factors. Renting or selling? A guide The first step is to carry out a thorough financial analysis of the initial situation. All running costs…

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 ever wondered what this is all about? Or do you already have a mortgage and assume that you are already very familiar with the subject?…

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 takes into account many different factors is of great importance. In this blog post, we will thoroughly analyze the advantages and disadvantages of renting and…

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 the respective assets. It is obvious that this circumstance is associated with considerable risks. What these risks are and how you can prevent and counteract…

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 a home. This blog post explains the rules, opportunities and risks of this form of retirement planning and explains the special features of Pillar 3a.…