Frequently Asked Questions

Q: Quelle est la différence entre la propriété par étages et la propriété exclusive?

With condominium ownership (Stockwerkeigentum) you own your residential unit plus a share of the common property (stairwell, cellar, etc.). With sole ownership you own the entire property including the building. Condominium ownership is typical for apartments, sole ownership for houses.

Q: Combien de temps prend un achat immobilier en Suisse?

From acceptance of the offer to handover of keys typically takes 2-4 months. This includes: bank financing commitment (2-4 weeks), notarial preparation of the purchase contract (2-3 weeks), land register entry (2-6 weeks).

Q: Comment déterminer le juste prix de vente de mon bien immobilier?

Finding the right price is crucial. Too high puts off buyers, too low leaves money on the table. We recommend: 1) A professional estimate by an agent or appraiser 2) Comparable prices for similar properties in the same location 3) Considering condition, year of construction and fixtures. MARA Property offers a free AI-powered value indication.

Q: Dois-je payer l impôt sur les gains immobiliers en tant que vendeur?

Yes, in Switzerland profits from the sale of property are subject to cantonal capital gains tax (Grundstückgewinnsteuer). The amount depends on the canton, the gain achieved and the holding period. Longer holding period = lower taxes (holding period discount). For owner-occupied properties, there may be opportunities to defer payment when purchasing a replacement property.

Q: À combien peut s élever la garantie de loyer en Suisse?

According to Swiss tenancy law, the rental deposit may not exceed 3 months rent (net rent without ancillary costs). The deposit must be deposited in a separate blocked account at a bank and may not be freely used by the landlord.

Q: Quand le propriétaire peut-il augmenter le loyer?

In Switzerland, a rent increase is only permissible in the following cases: increase in the mortgage reference interest rate, inflation adjustment (max. 40% of inflation), value-adding investments or cost increases. The landlord must notify each increase on the official form and observe 10 days before the start of the notice period.

Q: Quelle est la différence entre une hypothèque à taux fixe et une hypothèque SARON?

A fixed-rate mortgage has a fixed interest rate for the entire term (1-15 years) — planning security, but no benefiting from rate cuts. The SARON mortgage (Swiss Average Rate Overnight) has a variable rate that adjusts quarterly — cheap with falling rates, risky with rising ones.

Q: Comment publier une annonce sur MARA Property?

1) Register for free 2) Click on Post listing 3) Fill in all relevant fields and upload photos 4) Choose your subscription 5) Submit the listing for review — once approved it goes live. The process typically takes 15-20 minutes.

Q: Combien coûte une annonce sur MARA Property?

MARA Property offers various subscriptions: Free (1 listing, free), Starter (20 listings, CHF 99/month), Pro (50 listings, CHF 199/month), Agency (unlimited, CHF 499/month). All plans include AI support for descriptions and pricing.

Question 1

De combien de fonds propres ai-je besoin pour acheter un bien immobilier en Suisse?

Answer

In Switzerland, you must contribute at least 20% of the purchase price as equity. Of this, at least 10% must come from genuine savings (not from the pension fund). The remaining 10% can come from BVG capital (pillar 2) or pillar 3a.

Question 2

Quelle est la différence entre la propriété par étages et la propriété exclusive?

Question 3

Combien de temps prend un achat immobilier en Suisse?