Skip to content

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.

achat immobilier
achat immobilier
achat immobilier
achat immobilier
9/10

Overall customer satisfaction score

Source: NPS 2023 study

step1

 

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.

en-enjoy home

 

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

  • jump

    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.

  • mains

    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.

  • retirement

    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.

  • rectangle_208

    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.

Go to the next episode

contact-woman-320-450

Take an appointment

Your time is precious, and we are committed to making this process as smooth as possible.

contact-woman-320-450
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.

  • Property 1=Financement

    Episode #1

    Buying a home: a winning decision

    Guide your homeownership dreams with this series.

  • Property 1=Investment growth

    Episode #2

    Knowing what you want

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

  • Vault

    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.

  • Property 1=directions 1

    Episode #4

    The right financing for your project

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

  • Property 1=Search web

    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.

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.
    vignette_noemie_prodhom

    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 vignette

    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

    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

    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

    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

    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

    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

    Franck Neveu

Slide 0
Slide 1
Slide 2
Slide 3
Slide 4
Slide 5
Slide 6
Slide 7