Knowing what you want

Buying a property can be a daunting prospect, often having to be carried out in a timely manner. However, the crucial aspect is not the timing but the preparation and carefully defining your project.

Before making this major decision, it's a good idea to consider the differences between cantons regarding property prices, taxes, and health insurance premiums. Each canton has its own economic, tax and social characteristics, which may alter your decision.

Taking the time to compare the factors in each region will allow you to make an informed decision in line with your financial and life goals.

Let's explore the different aspects of this decision by looking at the benefits and opportunities for the following cantons:

Geneva

Living in Geneva is an incomparable experience. Nestling on the shores of Lake Geneva, this cosmopolitan city combines urban elegance with an exceptional natural setting. Home to numerous international organisations, Geneva brings a global dimension to everyday life. Prestigious museums, such as the Museum of Art and History, and renowned educational institutions like the University of Geneva add to its appeal. Cultural diversity, professional opportunities and quality of life make Geneva an exceptional residential choice among Swiss cantons.

It's also important to carefully think about what you want and your needs, but also draw up a precise list of essential requirements:

Family structure: try to define the number of people living in the house, including you, your partner and any current or future children.

The use of space: try to assess your needs for accommodating guests. You may need a large living room, a guest bedroom, or a bathroom for guests. If someone in the family works from home, consider a dedicated office.

Your lifestyle and hobbies. Identify the family's indoor hobbies, such as DIY, music, or mountain biking. Decide whether you want a wine cellar, a conservatory, or a garden that's easy to maintain.

The environment and surrounding noise: consider any troublesome factors such as industrial buildings, noisy roads, or other sources of nuisance.

Episode #1

Buying a home: a winning decision

Guide your homeownership dreams with this series.

Go to Episode 1

Episode #2

Knowing what you want

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

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