Checklist for buying a vacation home
Buying a vacation property in Switzerland requires careful planning.
Our checklist will help you with everything from the legal framework and financing to the choice of location.
Find out about the specific regulations and get valuable tips on renting and using your vacation property.
Your guide to buying a vacation home in Switzerland
Checklist highlights:
- Legal framework: Find out which legal requirements must be observed when buying a vacation property, including the provisions of the Lex Koller.
- Financing tips: Plan your financing carefully with our tips on mortgages, equity and tax aspects.
- Location selection and rental: Choose the ideal location and understand the regulations for renting out vacation properties in Switzerland.
Frequently asked questions about real estate sales:
Foreign buyers must observe the provisions of the Lex Koller, which regulates the acquisition of real estate by persons abroad.
In addition, the Second Homes Act restricts the construction of new second homes in municipalities where the proportion is already over 20 %.
As a rule, banks require a higher equity share for vacation properties than for primary residences.
You should plan for at least 20-30% of the purchase price to come from equity.
Yes, vacation properties can be rented out , but there are regional differences in the regulations on renting.
Some municipalities have strict regulations regarding short-term rentals that you must observe.
The imputed rental value is a notional rental value that is taxed as income, even if the property is not rented out.
However, you can deduct certain expenses such as debt interest and maintenance costs from this taxable income.
Consider factors such as accessibility, infrastructure, leisure facilities and regional regulations on the use and rental of the property.
A thorough location analysis will help you make the best decision.