How can foreigners purchase real estate in Switzerland? Issues and solutions.

The purchase of real estate in Switzerland by foreigners is a highly regulated process, the main provisions of which are defined by federal legislation relating to the purchase of land. The law, known as Lex Koller, sets out the criteria for those who wish to purchase real estate in the country, as well as defining the conditions under which this can be done.

Key aspects for foreign buyers

When considering the possibility of becoming a property owner in Switzerland, it is important to take into account several key aspects:

• Residence permit:It is necessary to find out whether you have a residence permit for Switzerland.
• Civil status:Determine whether you are a citizen of one of the European Union countries or a member of the European Free Trade Association.
• Purpose of purchase:Consider whether you plan to use the property as your primary residence, a vacation home, or for business activities.

Purchase of residential real estate

If you are planning to purchase residential property for permanent residence in Switzerland, you will need a residence permit of categories B or C. This requirement applies even to citizens of EU and EFTA countries. In the absence of the appropriate permits, you can only purchase resort property, but this requires prior approval from local authorities, or commercial property.

Facts about obtaining visas

It should be noted that the fact of purchasing property does not serve as a basis for obtaining a residence permit. Foreigners can apply for a multiple-entry Schengen visa, which allows them to stay in Switzerland for 90 days within a six-month period.

Restrictions for citizens of the European Union and EFTA

With regard to the acquisition of housing in Switzerland by citizens of the European Union and EFTA countries, those who hold a residence permit of categories B, C or L can purchase any property without any special restrictions. There are no exceptions to the number of properties they can own.

Rights of citizens of third countries

However, citizens of third countries holding a residence permit of category B can only acquire one residential property, chosen as their primary place of residence. It is also possible to purchase a plot of land for construction, but with the mandatory condition of completing the construction within a year after the purchase. The properties must be registered in the name of the buyer themselves, and the new owner will be required to live in the acquired apartment or house.

Conclusion

So, when purchasing real estate in Switzerland, foreigners must consider all relevant legal requirements and adhere to the existing regulations. A comprehensive analysis of all details and nuances helps to avoid unforeseen problems and complications. These rules are aimed at protecting the Swiss real estate market, and strict compliance with them is a necessary condition for the legal purchase of housing in this magnificent country. Ultimately, with a complete understanding of the process, buyers will be able to find the best options and ensure a comfortable and safe living experience in Switzerland.

Strict rules for buying and renting real estate in Switzerland

In Switzerland, there are strict regulations governing the rental and purchase of residential real estate for foreign citizens. First of all, it should be noted that the possibility of renting out residential premises is completely excluded, even in the case of partial occupancy. The area of the vacation home can vary, but the size of the land plot must not exceed 3,000 square meters. If this threshold is exceeded, a special permit from the authorities will be required.

Buying real estate when changing your place of residence

If a buyer changes their place of residence within Switzerland, they can purchase another apartment or house without giving up their existing property. This can be done for the purpose of using the second property for vacation or rental. The main requirement is that this new property must be used as the primary residence. It is important to understand that attempting to change one's residence for the purpose of buying multiple properties without the necessary permits will be a violation of the law.

Rights of citizens of European Union countries and third countries

As for citizens of European Union countries and third countries, those holding residence permits of types B, C, or L have the opportunity to purchase property for vacation in Switzerland without the need for prior approval from the cantonal authorities. Individuals who are not citizens of the EU or EFTA but hold permits of types B or L will need to obtain mandatory permission from the cantonal authorities if they plan to acquire vacation housing.

The process of obtaining a permit

To obtain such a permit, it is necessary to contact a local notary who will submit the required application to the cantonal authorities. The processing time can take anywhere from several weeks to several months, and certain conditions must be met for a successful application. For example, properties intended for vacation must be located in designated tourist zones, which are found in cantons such as:

• Appenzell
• Auserroden
• Bern
• Fribourg
• Glarus
• Grisons
• Yura
• Lucerne
• Neuchâtel
• Nidwalden
• Obwalden
• St. Gallen
• Schaffhausen (for serviced apartments only)
• Shvits
• Ticino
• Uri
• In
• Vale

Quotas for purchasing real estate

Equally important are the quotas on the number of vacation properties that can be acquired by foreign nationals. Such limits apply in each canton, and the entire annual volume accrues at a level of approximately 1,500 properties. In case this quota is exhausted, the foreign buyer will have to wait until the following year to get the chance to purchase real estate again.

Restrictions on the property itself

There are also restrictions regarding the property itself. The net living area must not exceed200 square metersincluding kitchen, bathroom, hall and any indoor saunas and swimming pools. However, rooms such as basement, balconies, stairs and attics are not included in the total floor area. The area of the land plot shall not exceed1000 square meters.

Ownership of real estate for non-residents

It is worth noting that according to Swiss law, non-residents can only own one property per family, which includes spouses and their minor children. Thus, the system for monitoring the purchase and use of real estate is governed by strict rules, making the process of acquiring housing for foreign citizens quite labor-intensive and requiring careful familiarization with the established conditions and restrictions.

Rules for children of property owners

At the age of over 20, children of property owners have the opportunity to purchase one residential unit. However, it is necessary to prove their...financial independenceFor the first five years after the purchase, this property cannot be sold. Owners must minimally use their residence for at least two weeks a year, with the tourist season in the Ticino region lasting from April to October.

Family members of the owners can stay in this property for up to six months a year, but each individual visit must not exceed three months. If the owner plans to stay in Switzerland for more than 90 days, they need to apply for a permit.residence permiteven if he is a citizen of EU or EFTA countries.

Terms of Use for Real Estate

Long-term rental of such real estate is not provided for, but owners have the right to temporarily rent out their apartments or houses, not for a year. It is extremely important for the owner to move into their new property within two years from the date of its registration in the land registry. All changes related to construction projects must be coordinated with the relevant authorities.

Cantons of Switzerland and buying property

Switzerland's cantons are divided according to the degree of restriction for foreign buyers to purchase a home. The cantons are designated as follows:

• Red color:areas with serious restrictions for foreigners.
• Green color:cantons with the most favorable conditions for investors.
• Yellow color:regions with moderate conditions for acquisition.

Commercial real estate

As forcommercial real estateForeigners can freely acquire it in Switzerland for conducting their business without needing prior permission. This may include the following types of properties:

• production facilities
• warehouses
• administrative offices
• retail spaces
• hotels
• restaurants
• medical offices

At the same time, this property can be used for personal business or rented out to third parties.

Restrictions on residential real estate

However, the construction of residential properties or their rental is not considered a permanent economic activity, so it is prohibited. Property owners only from EU or EFTA countries who hold a temporary residence permit of categories B, C, or L, as well as citizens from countries outside these unions with a type C permit, are allowed to acquire Nesting properties for investment purposes. Residential properties located on hotel premises are classified as permanent business entities and can be purchased or built without the need for special permission.

Attracting foreign citizens

Switzerland is an attractive destination for many foreign citizens due to its exceptional real estate. However, for residents of third countries, purchasing property in this country comes with certain rules and restrictions. In this article, we will discuss in detail the key nuances related to the acquisition of both residential and commercial real estate, as well as the tax obligations that will need to be fulfilled.

Purchase of residential real estate

Foreign investors should be aware that there are certain restrictions on purchasing residential real estate in Switzerland. In particular, citizens of third countries are allowed to own only one residential property, which must be used for permanent residence. This can be either an apartment or a house; however, the purchase of villas or apartments solely for vacation purposes is not permitted. Such transactions require the approval of local authorities, and the possibility of purchase is only available in strictly defined tourist zones where quotas are in place.

Commercial real estate

When it comes to commercial real estate, Swiss laws are more flexible. Foreigners can carry out any transactions without significant restrictions, which greatly simplifies the investment process and opens up wide opportunities for business development in this country.

Tax obligations

If you are on the path to acquiring real estate in Switzerland, it is crucial to consider the tax obligations. As a foreign owner, you will need to pay taxes to three different authorities: federal, cantonal, and local municipalities. The main types of taxes you are likely to encounter include:

• Income tax- It is charged on a hypothetical income based on the potential use of the property. The tax rate may vary depending on the market rental value and the condition of the property.
• Wealth tax- This tax is calculated on the total value of your assets and is applied at cantonal level. Property rights are assessed according to established criteria.
• Property tax- Each canton has its own rules regarding the annual property tax, which also depends on its assessed value.
• Capital gains tax- If you have decided to sell your property, the profit from this sale is subject to taxation. This tax is calculated based on the difference between the purchase price and the selling price, after deducting costs for improvements and repairs.
• Inheritance tax- In the case that you have inherited a house or an apartment, you will have to pay an inheritance tax, which can range from 15% to 55%.

Tax residents and obligations

Please note that if you are a tax resident of the Russian Federation and spend more than 183 days per year in the country, you must inform the Russian tax authorities of any foreign accounts or registration of establishments abroad, which may be required during the purchase process.

Prospects for investors

For those interested in investments and the possibility of immigration, it is recommended to closely monitor current trends in the Swiss real estate market, as well as to explore potential investment opportunities. There are many resources available, including online platforms and messaging groups, that can assist in this process. The Swiss real estate market offers promising prospects that are worth considering to achieve your financial goals.

New section about Switzerland

A new section dedicated to Switzerland has appeared on the internet, featuring a variety of articles and the latest news about the country. Additionally, this section includes a catalog of listings where you can find numerous real estate offers in Switzerland. Local realtors and developers presenting their options on this platform are always ready to assist and answer any questions in Russian. If you haven't been able to find the right option, you can submit a request for property selection according to your requirements.

Real estate search

If you have foreign language skills, you can explore listings on Swiss websites. The most popular resources for finding real estate include:

• homegate.ch
• immoclick.ch
• newhome.ch
• immostreet.ch
• alle-immobilien.ch

Preparation for purchasing real estate

Before you start buying real estate in Switzerland, it's essential to prepare thoroughly. The first step is to clearly define your intentions: do you plan to use the property for your own residence, or do you intend to rent it out? It's important to consider the existing restrictions for foreign buyers and focus only on those properties that you are allowed to purchase in your chosen canton. You should also think about selecting a qualified notary, as it is impossible to complete a real estate transaction in Switzerland without their assistance.

Reservation of the object

Once you have made a choice in favor of a specific property, the next step will be to reserve it. After you have decided that you want to purchase this particular real estate, it is necessary to appoint a Swiss notary who will represent the interests of both parties — the buyer and the seller — until the transaction is completed. The notary is responsible for preparing the documentation, which includes a preliminary contract that outlines the terms of the deal, deadlines for fulfilling obligations, and possible consequences in case of a breach.

To reserve a property, the buyer must make an advance payment of10%from the property value to the notary's or seller's deposit account. This step implements the buyer's obligation not to offer the property to other parties. In case the authorities refuse to grant permission for the purchase, the property is put back on the market, and the deposit amount10%returned to the buyer, taking into account the payment of the notary fee.

Peculiarities of buying in resort regions

If a foreigner intends to purchase property in a Swiss resort area, the notary is required to initiate a process known aslafeto obtain permission from the cantonal authorities for the purchase of a specific property. Some real estate properties may already have the necessary permits for purchase, and in this case, the need to obtain a new permit is eliminated. The process of obtaining a permit takesfrom three to four monthsThis is important to consider when planning a transaction.

Immigration and obtaining a residence permit

In a situation where a foreigner plans to emigrate and purchase property in Switzerland, they need to go through the process of obtaining a residence permit of category B. This process can take about eight to twelve weeks, so it is important to prepare in advance for the necessary actions.

The process of property registration

Once the approval is obtained, the stage of signing the final contract for the purchase of the property begins.

• The presence of a notary public:The deal requires mandatory notarization. Without the notary's signature, the contract will not have legal force.
• Deadline for signing:The parties that have received permits have thirty days to complete the necessary paperwork.

Upon signing the contract, the buyer must provide the notary with a declaration in accordance with the Lex Koller law governing the acquisition of real estate by foreigners. The notary must also certify that the buyer has no other real estate in Switzerland, as the purchased residential property cannot be resold for five years.

Final stage of the deal

At the final stage, the remaining payment for the property is made. After the notary confirms the receipt of the full amount, the transaction is registered in the land registry.

• Registration deadline:The registration process usually takes a few weeks.
• Property rights:Full ownership of the property is transferred to the buyer only after the entry is made in the registry.

Financial obligations when purchasing real estate

Bern, as the capital of Switzerland, imposes certain financial obligations when purchasing real estate. The main expenses include:

• Property transfer taxes, which can vary from 0% to 4% depending on the canton.
• Additional expenses for notary services range from 0.025% to 0.7% depending on the location.
• The real estate commission, which can range from 3% to 5% of the total property value.
• Fees for property ownership registration reaching 0.6% of the property's value.

Mortgage and related expenses

If a buyer is considering the option of taking out a mortgage, there are also various fees that vary from region to region and depend on the loan amount.

• When purchasing real estate in Verbier (Valais canton), the fee starts at 1% of the amount for 200,000 Swiss francs.
• It decreases to 0.8% for amounts up to 500,000 and is approximately 0.7% for properties valued over one million Swiss francs.

Conclusion

Thus, the process of emigrating to Switzerland and acquiring real estate requires careful consideration of all details and nuances to ensure legal ownership rights and minimize the risk of unforeseen expenses.

Introduction to the Swiss Real Estate Market

Switzerland, known for its famous ski resort Zermatt, is a country that generates significant interest among many people due to its unique characteristics in the real estate market.

High housing prices

The cost of housing here is quite high, which can be explained by a number of factors, the key one beinghigh level of income among the populationand also an exceptional quality of life. For example, the average price per square meter of real estate in Switzerland exceeds 13,000 euros.

Dynamics of real estate prices

Every year, there is a gradual, albeit slight, increase in housing prices. The exception was the three years from 2017 to 2019, when government measures aimed at cooling the market led to a small decrease in apartment prices – by 1%, 1.7%, and 1.2% respectively.

Changes in financial policy

In 2015, negative interest rates on deposits were also introduced, and the Swiss franc gained greater freedom of circulation. According to the Swiss National Bank, the residential real estate market is finding ways to stabilize.

Current market trends

According to data provided by UBS and the Swiss National Bank, there is an increase in prices for private homes that is outpacing the trends in apartment price increases. However, there are serious concerns about the potential emergence of a bubble in the real estate market in the future.

Living conditions and employment

It is also important to pay attention to the cost of living in Switzerland and the conditions of employment. How can one find a job in this country and what are the actual salaries? The experience of living in Switzerland can vary, and reducing expenses can play a significant role in this process.

Mortgage financing for foreigners

For Russians intending to purchase real estate in Switzerland, there is an opportunity to arrangemortgagesin local credit institutions. However, such transactions require borrowers to provide guarantees, which can be in the form of large deposits or securities.

Key banks for obtaining a mortgage

The main banks offering credit services to foreign citizens are:

• UBS
• Credit Suisse
• Raiffeisen
• Migros Bank

Mortgage interest rates and terms

The interest rates on mortgage loans for residents of Switzerland are quite attractive—approximately 1% for variable-rate loans and around 1.8% for fixed rates over a ten-year term. However, for foreigners, these rates are significantly higher.

Mortgage loans are usually issued for a term of two to ten years, with financing for non-residents amounting to 50-60% of the appraised value of the property. Each case is considered individually by the bank.

Legal aspects of real estate acquisition

It is important to note that the purchase of real estate by foreigners in Switzerland is strictly regulated by law and has certain restrictions. Individuals who do not hold residence permits of categories B or C can only acquire properties in tourist areas or commercial real estate, and prior permission from the cantonal authorities is required.

Taxation and legal protection

Foreigners who own property in the country must pay taxes at three different levels:

• federal government
• to the canton
• local authorities

It should be emphasized that the involvement of a notary is a mandatory element in every real estate transaction, highlighting the importance of legal protection and transparency in these processes.

Conclusion

Thus, despite high prices and strict regulations, Switzerland remains an attractive destination for real estate investments.

Invalidity of the sales contract

A sales contract, if it is not signed, has the status of legal invalidity. Foreign citizens seeking to obtain a mortgage loan in Switzerland can expect financing ranging from 50 to 60 percent of the total amount of the property being purchased.

Options for purchasing real estate in Switzerland

Today in Switzerland, it seems there are plenty of opportunities to buy real estate.

• Villa in Ticino

  For example, an attractive villa in Ticino is offered at a price6,900,000 €This luxurious villa covers an area of483 square metersand is located in the picturesque canton of Ticino, on the shores of Lake Maggiore. Built inin the year 1914It has been completely restored, adhering to all the nuances of the "Liberty" architectural style. The area of the land plot is1000 m², and the area of the building itself –400 square metersThe residential segment includes320 square metersand the terrace takes up28 m².

• Mansion in Geneva

  Another impressive option is a luxurious mansion in Geneva, which can be purchased for24,738,000 €This unique property has an area of1100 m²and is located inin the historic center of Geneva. It stands out for its belle époque architectural design and is located in a prestigious part of the city where wealthy industrialists and bankers lived in the past. The huge, well-maintained grounds surrounding the building occupy4500 m²...which adds an atmosphere of seclusion and luxury.

• Apartment in Montreux

  Interested in investing? Then consider an apartment in Montreux that has an area of188 m²and available for sale upon request. The comfortable four-room apartments are located in a new building that was constructed inin 2008The windows offer stunning views of the lake and the surrounding mountain landscapes. Inside the apartment, you will find a modern kitchen and a spacious walk-in closet. The three bedrooms each have their own bathrooms, and there is also a large living room with a dining area. The amenities include parking spaces in the garage and access to a well-maintained park with a swimming pool.

• Hotel in Zurich

  In Zurich, you can invest in a hotel with an area of5000 m²and the price is equal to90,000,000 €This is a four-star conference hotel located in a picturesque spot near Lake Zurich. The establishment offers a selection of accommodations, including budget rooms and penthouses with stunning panoramic views. Hotel guests have access to a restaurant with a terrace, spa and fitness areas, and parking is also provided. The expected return on investment is from5 to 6 percentper year.

• Commercial real estate in the canton of Valais

  In the canton of Valais, there are opportunities to acquire commercial real estate. In Saint-Croix, a ready-made business with an area is available for purchase.700 m²and expected return5.05% per yearThe property is fully ready for operation and provides a stable rental income at the level of116,350 CHF per yearThe rental agreement signed in2018remains in effect until10 yearswith two five-year extension options.

• Geneva office

  An office space was also presented in Geneva, covering an area of376 m²with profitability3.4% per year. This is a turnkey investment with a tenant representing a law firm.

• Apartment in Lezane

  Finally, in Lausanne, it's worth paying attention to a three-room apartment with an area of118 m², the cost of which is490,000 €This property is located in close proximity to a popular ski resort and will be an excellent choice for those looking to enjoy an active holiday in the Alps. There are various payment options available, including the possibility of completing the transaction using cryptocurrency.

The apartment for sale is a wonderful option for those who dream of a combination of comfort and elegance during winter holidays. It is open for purchase by foreigners, making it attractive to buyers from abroad. Upon entering the apartment, you find yourself in a spacious hallway with built-in wardrobes and a convenient guest bathroom. The wide living room is equipped with a fireplace and a relaxation area, making winter evenings especially cozy and warm.

Interesting offers in the real estate market

One of the interesting offerings in the real estate market is a villa presented by Victoria Gaillard Sarl, located in the picturesque Ticino, Switzerland. This unique property has an area of 550 square meters and is priced at 4,200,000 euros. The villa, which recreates the atmosphere of an ancient Tuscan home, was meticulously renovated in 2006 and provides all the necessary amenities for comfortable living.

• The total volume of the building is 2200 cubic meters.
• The residential and auxiliary area exceeds 700 square meters.
• There is a drinking water storage tank.

Commercial real estate in Ticino

The market also features commercial real estate in Ticino, which represents an already established business with a shopping center covering a total area of 5,000 square meters. It includes clothing stores, a café, parking, and storage spaces. The total cost of this property is 15,000,000 euros.

• High-quality equipment and thoughtful design by a renowned architect.
• The total volume of the shopping center is about 13,000 cubic meters.
• The profitability is 3.7%.
• Location: Mendrisio, the southernmost district of the canton of Ticino with a population of about 30,000 people.

Luxurious villa in Geneva

A luxurious villa is up for sale in Geneva, with the price available upon request. This three-story house has an area of 170 square meters. Inside, there are 4 quite spacious bedrooms and 3 modern bathrooms. Additionally, the villa includes a private pool and is located in the picturesque area of Chemin des Vignettes 16, Crans-Pres-Celigny, Switzerland.

Apartment in Lugano

And another interesting apartment is located in Lugano, Switzerland, with an area of 150 square meters, priced at 1,990,000 euros. It features 2 bedrooms and 2 bathrooms, as well as a terrace and a parking space. Its uniqueness lies in the small number of apartments — only 6 — and direct access to the lake, where you can swim and sunbathe, surrounded by a magnificent garden with a relaxation area.

Remarkable villa in Lugano

An interesting property on the market is a villa in Lugano, covering 660 square meters of space with a land plot of 1,440 square meters, listed for sale at 7,150,000 euros. This villa features 8 bedrooms, each equipped with double beds, 5 modern bathrooms, a spacious laundry room, and a wine cellar.

• Heated pool.
• Recently completed construction using high-quality finishing materials.
• The use of Carrara marble and the installation of solar panels.

Another impressive villa in Lugano

In conclusion of our review, we can mention another villa in Lugano with an area of 790 square meters, which includes 9 bedrooms and 6 bathrooms. It provides all the conditions for a comfortable and active lifestyle. Each of these properties offers unique opportunities and meets the highest standards of style and comfort.

Beautiful lakes of Switzerland

Switzerland is known for its beautiful lakes, and among them, Lake Lugano holds a prominent place. In close proximity to this picturesque body of water is a magnificent villa covering an area of about 790 square meters. It is surrounded by a well-maintained private garden that spans approximately 1000 square meters.

Unique real estate offers

The villa underwent a complete renovation in 2016, making it a wonderful place for comfortable living. Inside, there are 8.5 rooms, including 4 or 5 bedrooms, depending on the owner's preferences. Located just five minutes by car from the border with Italy and 21 kilometers from a picturesque town, this place is ideal for both living and vacationing.

Apartments in Montreux

Now I would like to take a closer look at alternative real estate options, such as apartments in Montreux, which stand out among other offerings. These apartments, covering an area of 170 square meters, feature two cozy bedrooms and offer a magnificent view from the private balcony.

• A separate elevator makes it easy to reach the apartment.
• The central location provides proximity to shops and transport routes.

The cost of such apartments is1,295,000 euros.

Other apartments in Montreux

In the same area of Montreux, there are additional apartments available on the third floor, with a total area of 124 square meters. They include two bedrooms and two bathrooms, making them an excellent option for family living. These apartments are listed for sale at1,545,000 eurosdesigned with all modern conveniences in mind, including:

• Proximity to educational institutions.
• Medical centers.
• To the beautiful lake.

Luxury real estate in Andermatt

The alpine village of Andermatt also attracts interest from potential buyers. An elite property of 106 square meters is available here, which includes 12 luxurious residences and penthouses. This unique place is perfect for those who want to enjoy a peaceful life in the mountains, surrounded by clean air and picturesque landscapes.

Commercial real estate in Vale

If you are considering investing in commercial real estate, it's worth paying attention to a hotel located in the Vale area. This hotel, covering 1,000 square meters, is situated in a mountainous region and can serve both for personal residence and for running a hospitality business.

• The rooms are equipped with balconies that offer stunning views of the surrounding mountains.
• The hotel offers a shared terrace.
• Indoor pool and parking spaces for guests.

Chalet in Arosa

Another intriguing property is a chalet in Arosa, which has an area of 370 square meters. This stunning real estate includes 5 bedrooms and 6 bathrooms, providing a high level of comfort and luxury. The chalet is situated on a sunny slope and offers magnificent views of the Alpine peaks, and the presence of a spa area makes it particularly appealing for those who value relaxation and leisure.

Modern apartments in Montreux

For those looking for modern housing in Montreux, there are apartments available on the market with an area of 115 square meters. They feature 4 rooms and 2 bathrooms, and there is an option for remote viewing and transaction processing, accepting payment in both rubles and bitcoins.

This spacious apartment with a stunning view of Lake Geneva will become your favorite spot to enjoy morning coffee and plan your day while catching up on the latest news. Each of the offerings emphasizes a commitment to quality and comfort, making Swiss real estate particularly appealing to both locals and investors.

Conclusion

In conclusion, I want to emphasize that purchasing real estate in Switzerland for foreign citizens is a rather complex and multifaceted process that requires careful study of the legislation and compliance with a number of conditions. Despite the strict restrictions imposed by local laws on property acquisition, there are still opportunities in this country that can be utilized by foreigners who have the appropriate visas and permits.

An important aspect is that every decision you make should be based on a comprehensive analysis and understanding of the current situation in the real estate market. It is essential to consider that, first and foremost, rights and restrictions vary depending on your citizenship and residency status.

Recommendations

I recommend:

• Seek help from professional real estate consultants.
• Consult with lawyers who will assist you at every stage of the process, from finding housing to signing the final documents.
• Pay attention to potential additional costs associated with the purchase and ownership of real estate.

Switzerland is a unique country with a high quality of life, and if you decide to invest in its real estate, you will be able to enjoy not only beautiful views and a great climate but also a favorable economic environment. I hope this information has been helpful to you, and I wish you good luck with your purchase!