Even as penny-pinching kids, we knew: saving is important! Thus, the odd coin from auntie, granny, and the like found its way into our piggy banks. As adults, saving isn’t quite as simple anymore. Inflation, rising rents, and hefty bills can quickly devour monthly incomes. But how do you manage to save effectively? Which saving tips are the most efficient? In this article, you'll find our top tips for saving money.
Da Vinci once said wisely, "Simplicity is the ultimate sophistication." And that holds true for saving money as well. At least according to the 50/30/20 rule. This simple rule of thumb helps you gain insight into your expenses and reach your long-term savings goals. Let us show you how it's done!
You are considering buying your own home but are unsure about the monthly costs associated with owning a house? Find out in the following blog post which ongoing costs you should factor into your budget as a prospective homeowner and with which tips you can optimize these costs.
Spending a lot of money isn't always a bad thing. When invested correctly, an initially expensive purchase can prove to be a worthwhile investment. Especially when you're considering buying an older home, certain investments in your new home can really pay off in the long run. We'll show you how spending money can pay off for you as a future homeowner.
Finding the perfect home is a complex task. It is crucial that you consider what requirements your new home should meet to suit your needs on the long run. With our checklist, you can quickly identify the most important points, and nothing will stand in the way of your domestic bliss.
The property price is arguably the largest cost factor when it comes to purchasing a home. Nevertheless, aside from the pure purchase price, various other expenses occur that should not be overlooked. In this blog article, we give you an overview of the cost items that you should include in your budget in addition to the purchase price.
The purchase of a home is a significant and exciting life event. An important milestone on this path is the price negotiation. Those who argue sensibly and comprehensibly significantly increase their chances of buying! A balanced mix of confidence, leniency, and steadfastness is here the key to success. Learn here how you, as a buyer, can demonstrate negotiation skills.
Ever considered when to hang up the towel in your job! The thought may be a twinkle in your eye or even right around the corner. Either way, as a (future) homeowner, considering how to remain in your home affordably in your golden years is a must. But worry not – here are some simple steps you can take today for a more comfortable tomorrow!
Pay slips, land registry extracts, and cadastral maps – purchasing a home requires a wide array of documents and careful preparation. Our checklist helps ensure you go to the bank fully prepared and with all the important documents in hand.
When buying a home, there's a significant amount of money involved and it can have a major impact on your finances. It pays to be well-informed and to remove potential obstacles from the start. A key figure in this journey is the notary (or another certified individual in some cantons) who notarizes the purchase contract and ensures the sale is entered into the land registry. In this article, we will show you what to look out for in your purchase agreement.
At last, the moment has arrived: Your appointment to view the dream house you've been imagining. Amidst a whirlwind of sensations and feelings, it's all too easy to fall under the spell of a charming south-facing balcony or the timeless elegance of old parquet floors. However, as captivating as the prospect of finally moving into your much-desired home may be, it's crucial to maintain a discerning eye during the visit. Don't let first impressions sway you. Our meticulously designed viewing checklist is here to guide you in evaluating the property comprehensively, ensuring that you examine every detail with precision.
Studies show that in Switzerland around 40 percent of home buyers are confronted with hidden defects and contaminated sites after moving in due to a lack of serious preliminary clarification. This often results in unplanned renovation costs. Early detection of the affected building elements prevents damage and subsequent costs. Use our checklist and find out what you can look out for during the house inspection.
Finally, Switzerland looks set to do away with its imputed rental value system! But abolishing it will involve far more than just getting rid of a tax – a completely new system is set to emerge. National Councillor and expert Franziska Ryser shares more on just what this could mean for you as a (future) homeowner and the pros and cons of this abolition.
Even though buying a house and getting a mortgage go together more often than not, the topic still ties some homebuyers in knots. Read on for some key pointers to remember and sorting all issues of mortgages, promissory notes and real estate lien.
Refurbish the renovation-needy old building or rather demolish it and construct a beautiful modern cottage? With the search for a home often comes the agony of choice. But when does it actually make sense to invest in the renovation of an old building, and when should you better build from scratch? In this blog post, you will learn which factors you should consider in your decision.
Whether you like it or not, owning a condominium ownership is necessarily a community matter - because the so-called “condominium” encompasses far more social issues than the name suggests. In fact, condominium ownership includes not only your own residential unit, but also shares in the land and the remainder of the building. Read on for more on the ups and downs of owning a condo.
For many people, buying their own home is the biggest financial purchase of all. That's what you have to bear in mind.
Do you dream of building your own dream home or completely renovating a charming old building? If so, you will inevitably encounter the floor area ratio – it determines whether and how construction projects can be implemented. In this post, we'll explain its significance and how to accurately calculate it.
The old country house of your dreams is finally for sale, but inevitably requires an energy renovation? Then don't forget to ask the state for support. To promote environmentally friendly measures, Switzerland is rolling out the francs. What conditions these subsidies are tied to and how you should behave when applying is explained in the following article.
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