When you decide to become an owner, many questions arise such as; where to start? what documents do I need? How do I know my financial capacity? which mortgage model to choose? what will be the tax impact on my situation? And much more.
This is just a brief overview of all the questions you might ask. Thanks to our service, we support you in all these steps in order to become an owner in complete safety.
For this we collaborate with the main banks and insurance companies in Switzerland to offer you the best mortgage loan adapted to your situation. We choose not to give all this information on our site, because each situation is different. Your interest is to contact a neutral professional in order to have all the cards to be able to make in full knowledge of the facts one of the most important decision of your.
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Compare mortgage rates
INP Finanz Romandie offers you a comparison of the mortgage rates in force with our partners and an estimate of the annual interest savings:
Annual interest: CHF. 20 900
Annual interest: CHF. 21 280
Annual interest: CHF. 22 515
Annual interest: CHF. 22 895
Annual interest: CHF. 24 225
Annual interest: CHF. 24 225
Annual interest: CHF. 24 795
Annual interest: CHF. 24 795
Annual interest: CHF. 24 985
Annual interest: CHF. 25 175
Annual interest: CHF. 25 270
Annual interest: CHF. 25 650
Annual interest: CHF. 25 840
Annual interest: CHF. 26 125
Annual interest: CHF. 26 410
Annual interest: CHF. 26 505
Annual interest: CHF. 26 885
First of all, we must always keep in mind a fundamental house. The real estate agent or the owner of the house we visit wants to sell the house and will therefore do everything to convince us to buy it.
So, we don't believe everything we are told right away… let's be careful. The owner of the house or the real estate agent could for example tell us that the house has already been seen by other people who are very interested in buying it and that there have already been offers. It might help us to rush the purchase. It is a technique widely used to put pressure on the potential buyer who fears the possible loss of the house and may be pressured into signing the irrevocable proposal.
My advice is not to sign the purchase proposal immediately but to think about it for a moment. If possible, come back a second time to examine the property, better to be alone. Very quiet area during the day can get very busy at night. During this second visit, pay particular attention to the type of neighborhood, check the regularity of the installations. Check for damp spots caused by water infiltration from outside.
Newly built house: avoid pitfallsIt is certain that if we were to buy a house in a new construction, we would not have problems regarding the legal requirements relating to the electrical or gas system and not even regarding the defects caused by wear and time; but this does not mean that there cannot be hidden defects in the construction, for example in the materials used (first quality or not); the only thing that the interested party can do is to obtain information about the manufacturer, to verify the seriousness of the company. It is important that a building permit has been issued for the house. To obtain it, the designer had to file the executive project with the technical office of the municipality;
Second-hand house: should renovations be planned?This is the most frequent case and the problems are related to the owner of the house:
- Will he have paid all the mortgage payments?
- Will the electrical system and the gas system comply with the law?
- Could he have made renovations without asking permission from the competent authorities?
House under construction: what to pay attention to?When buying a house under construction from a company, you should be very careful when signing the preliminary contract. If the house is to be built, you buy on paper, that is to say that we have only and exclusively the project in front of us. It is important that everything is described in detail on paper and this is normally done through a specific specification: a document describing the materials used, the characteristics of the installations, the interior and exterior finishes, the characteristics of the individual accommodation , the layout of the exterior parts (garden, courtyard, etc.). Avoid committing to the purchase of a house under construction if you have not consulted the specifications beforehand, in particular because any subsequent modification to the stipulation of the compromise could be dearly paid for.
Is the price of the house justified?Whatever type of property you want to buy, you have to take it into account. For example: the future buyer must have estimated exactly how much he can spend on housing and how much this affects the family budget. That said, it must be said that assessing the adequacy of the asking price for a home is no easy task. The most commonly used criterion is that of analogy with the prices of other properties with the same characteristics and sold in the recent past. In principle, the elements to be taken into account and which can cause the price to vary are:
- Year of construction of the building
- The place
- The exhibition
- The plan
- The presence of the elevator
- The type of heating
What elements can affect the price?Now let's look at the elements that can affect the price CONSTRUCTION FLOOR A high floor is certainly brighter and it gives more value to the house, but is there an elevator? The absence of the latter can lower the price of an apartment! THE CONDITION OF THE BUILDING The conditions of the interior and exterior façade, stairs, entrance, door are likely to influence the price. HEATING The alternative can be centralized or autonomous; generally, the presence of an autonomous heating system increases the price of the property. Get in touch with our team! We have very effective House credit solutions!
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