The 360 series

Buying a home: a winning decision

This is the first episode of the 360° series regarding primary residence property. We'll take you through all the key stages involved in making your dream home a reality.

9/10

Overall customer satisfaction score

Source: NPS 2023 study

The decision to buy or rent is crucial, as it has many financial and tax implications that will determine your future lifestyle.

In Switzerland, economic and political stability, a strong Swiss franc, moderate inflation, and low unemployment creates a favourable climate for investment. However, only 36% of the population own a home.

The Swiss property market is resilient despite global fluctuations, and prices have risen steadily for over 10 years. Despite the rise in interest rates in 2022, prices have risen by +7% for houses and +5% for owner-occupied flats. In 2023, prices have risen again. Forecasts for 2024 indicate stable or increasing prices despite an expected fall in interest rates.

Buying a property is a significant commitment that often ties you down to debt, and taking the plunge can seem daunting.

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Let's explore all the aspects of this decision together, looking at the advantages and opportunities that buying a property has to offer:

Turning your purchases into investment

You don't have to pay rent once you've purchased your own home. Unlike tenants, you build up a property portfolio by repaying the mortgage.When you become an owner, your payments become an investment, creating substantial net value over the long term.
Having the Freedom to express yourself

As an owner, you can personalise every detail of your property. From choosing colours to structural modifications, you create a place that truly reflects your personality and is unique to your needs.
Secure your golden years

Purchasing a home provides financial security for retirement by reducing monthly outgoings once the mortgage has been repaid. On the other hand, tenants continue to pay rent, which significantly impacts their budget.
Stability in a competitive market-

The property market can be competitive, making it difficult to find affordable rental accommodation. Becoming a homeowner gives you residential stability for greater peace of mind.

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The 360 series

Buying a home: a winning decision

Piguet Galland has developed the 360 series to give you all the necessary information to make your plans a reality. This comprehensive series discusses all the major topics you may have questions about. Each series consists of 5 episodes, providing you with the keys you need to ensure your projects are a success.

Episode #1

Buying a home: a winning decision

Guide your homeownership dreams with this series.

Episode #2

Knowing what you want

Creating your own home requires a major investment. Think carefully about your needs and desires.

Go to Episode 2

Episode #3

The magic formula for the best price

Determine the maximum amount you can consider for acquiring your primary residence based on your financial situation.

Go to Episode 3

Episode #4

The right financing for your project

From standard mortgages to Lombard loans. Explore all the specifics of fixed, variable and Saron rates.

Go to Episode 4

Episode #5

Taxes when you purchase a property

Becoming a homeowner is a significant step but comes with specific tax responsibilities. Buying property has various financial implications in terms of tax.

Go to Episode 5

What our clients say about us.

Piguet Galland offered us a number of different scenarios to help us through this major change in life, retirement.

Noémie Prod'hom
Happiness is knowing that I have someone who will bring their expertise to advise me and ensure my life is carefree.

Marie-Laure Favre
At Piguet Galland, the human factor takes center stage. We genuinely listen to understand and provide solutions, not merely to sell."

M’Bayang Thiam
I wanted to purchase and renovate a house through an auction, which required immediate payment. Fortunately, your company performed exceptionally well."

David Vuadens
Piguet Galland is the financial partner that's close to my heart. I have complete trust in them. In this bank, you get to know them on a personal level, and that's of utmost importance."

Ann Evard
The aspect of the Bank that resonated with me in the past and to this day is trust, which is conveyed through a sense of closeness and, most importantly, a dedicated point of contact."

Anthony Picard
What I value most about Piguet Galland is the service and the trust-based relationship I have built with the various advisors I have worked with over the past thirteen years, all of whom have consistently been excellent."

Dominique Lauener
Throughout the years of building a trusting relationship with Piguet Galland, I have realized that a bank can be a lifelong partner for significant milestones."

Franck Neveu