Your real estate loan in Geneva

1.84%

Our best 10-year negotiated rate

Lowest rate negotiated from February 29 to 2, 2024. INP Finanz Romandie offers you innovative solutions including the best market rates in force with our partners. Call us for more information!

INP Finanz Romandie offers you mortgage loans for your projects in Geneva

A loan offer allows you tobuy, build or renovate your home.

Whether it is for the acquisition of your house, villa, apartment or for the purpose of making a rental investment, INP Finanz Romandie finds for you the credit offer that best suits your real estate project over the city of Geneva.

Your benefits INP Finance 

We establish an assessment of your financial situation and your opportunities

Fast and easy : we will answer you within 24 hours

We negotiate the best offers to finance your project

You receive a non-binding offer within 24 hours

Compare all providers at a glanceeye

No administration to manage! We take care of the paperwork

With INP Finanz Romandie, your chances of success are optimal

Do you live in Geneva and its region? Buying a house is the dream of many people, but the choice to be made is one of the most difficult and that is why many are undecided until the end to take the final step. At INP Finanz, we know that there are several technical and economic aspects to consider and evaluate carefully. But before all these evaluations, you must have a clear idea of ​​your ideal home and where you want to settle. This way, you avoid wasting time looking for months at homes that you won't buy or that are beyond your means. Choose your real estate expert carefully This is why it is essential to be supported by a real professional in the Neuchâtel region, who really wants and can help you with your purchase without necessarily wanting to sell you one of the houses in the catalog at all costs...   Impartiality: a key factor The impartiality of the real estate agent you rely on is a factor determined by your choice. All traditional agencies act as mediators between the sellers (with whom they have agreements) and you, the buyer to whom they offer their houses for which they have a mandate to sell. They are therefore necessarily trying to sell you a house from their catalog, and not necessarily the house you really want! So be aware that some real estate agents are not necessarily impartial. Some will do anything to sell you a house from their catalog, even if it means listing irrelevant arguments and becoming insistent, sometimes oppressive... To avoid this, we recommend two solutions: Surround yourself with a professional At INP Finanz, our experts understand your needs and will search the market for the house and mortgage in Neuchâtel that you really want and within your means.   Follow 5 simple rules These rules will allow you to fully understand your needs and priorities, so that when you call an agency, you have clear ideas. To find out which is your ideal house in Geneva, we give you in detail the 5 GOLDEN RULES that we recommend to our customers for buying a house:

Rule n ° 1 : Choose the district of Geneva where you want to live

• Do you like the tranquility or prefer the liveliness of the city center, close to all the shops and all the comforts of the city?
• Do you prefer to go to work and live surrounded by plants and trees or do you prefer to be in the center of movement and bustle?

If you want to buy a house, this is the first point where you need to have clear ideas about where to look for your new home.

Determine your priorities: 

• Do you want to live in the city, country or region where you grew up?
• Do you want to live close to your family to benefit from the support of your loved ones?
• Do you like the city with all amenities close at hand or do you prefer to live in the countryside?
• Is your priority to live near your work?
• Are you ready to move your children from one city, country or region to another?

It is essential to ask yourself these questions, which will save you a significant waste of time in researching and comparing houses in unsuitable locations for your family and their needs.

Rule n ° 2: Focus on your needs in Geneva

Focus on your current and future needs Geneva.

Think of the space you will need if you share your house with another person, if you have or want to have children with play areas, a dressing room for your clothes, a garage for your cars, a garden for your pets, etc.

Then convert all these needs into square meters. Thus, when the real estate agent asks you what your main criteria are, you can answer him very precisely. Make it clear to him what you want so that you don't go around in circles and waste time unnecessarily.

When looking for a home, always start by listing your basic needs and “non-negotiable” criteria before you start visiting.

Rule n ° 3: A new, recent, renovated or refurbished house?

Of course, before buying a house, you must imperatively know its year of construction.

It involvesassess their general condition with the help of qualified technicians.

Is this a new or recent construction? Are renovations, repairs or additional installations required? Are there any moisture or mold issues?

Don't worry: sometimes it can be advantageous to buy at a low price to then renovate and thus benefit from tax subsidies. In particular for upgrading to environmental energy standards, for example by replacing an oil boiler with a heat pump, installing solar panels or a water recovery tank, etc.

Also analyze the environment and the neighborhood in which the property you want is located and pay attention to any condominium expenses, parking space, etc.

Obviously, if you are looking for an apartment to renovate in Geneva, you can often benefit from a larger surface area than recently built apartments. But you should also be aware that this type of property is generally located in buildings built in the 70s and 80s… The facade of the building must also please you and this is an additional criterion.

This is why it is important to define in advance which criterion is the most important: buy cheaper and renovate in a building that is sometimes dilapidated? Or invest in a new construction, more expensive with less square meters?

Rule n ° 4: Find out before buying a condominium in Geneva

Many future buyers do not have a precise idea on this point.

Set in advance the maximum number of neighbors you want to have. If your priority is independence and the absence of vis-à-vis, focus your research on buildings with few apartments.

Our best advice if you buy a house in a condominium? Before moving on to the purchase phase, check the tranquility of the condominium before making a purchase offer. Put yourself in a situation and walk around the neighborhood or condominium for a day to see what life is like there.

Rule n ° 5: Mortgage loan for the purchase of a house in Geneva: establish your budget taking into account unforeseen expenses

If you are considering taking out a mortgage to buy your home, request offers before you start looking for the property of your dreams.

You have to be patient and start by turning to as many banks as possible to see where you can benefit from the best conditions.

To save time, you can also contact a mortgage professional like INP Finanz Romandie who will guide you through the process.

Our mortgage experts are available to answer your questions, free of charge et without engagement. Contact us directly on WhatsApp or via the contact form.

Request a no-obligation meeting with an advisor