Mortgage & financing

Because a winning bid is binding, arrange your financing before you bid. Get a mortgage pre-approval that confirms how much a lender will advance, so you can set a maximum you can truly afford.

Swiss lenders test affordability at an imputed rate of roughly 5% plus maintenance costs, and usually expect at least 20% equity (part from non-pension funds). Knowing your firm ceiling turns the auction into a calm, numbers-led decision.

• Secure pre-approval before the closing day.
• Budget the 20% equity plus purchase costs upfront.
• Set your maximum bid to your confirmed affordability, not hope.

General information, not legal advice.