# Real Estate **URL:** https://forum.mustachianpost.com/c/real-estate/6.md [Latest](https://forum.mustachianpost.com/latest.md) · [Categories](https://forum.mustachianpost.com/categories.md) --- ## [About the Real Estate category](https://forum.mustachianpost.com/t/about-the-real-estate-category/15)
**Author:** [@\_MP](https://forum.mustachianpost.com/u/_MP)\ **Replies:** 0\ **Last updated:** [October 18, 2016, 4:59am UTC](https://forum.mustachianpost.com/t/about-the-real-estate-category/15 "2016-10-18T04:59:04Z")
You wonder if you should rent or buy? Which mortgage to choose? Just ask in this category. Real Estate is one of the big three expenses in one's life. You gotta tackle it carefully on your way to financial independence… --- ## [Mortgage rates in Switzerland \[2026 edition\]](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2026-edition/18140)
**Author:** [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Replies:** 245\ **Last updated:** [October 29, 2026, 6:50pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2026-edition/18140 "2026-10-29T18:50:15Z")
Just comparing what I see today below: versus, what I saw back in January. 10 year has gone from 1.45% to 1.64%. Why is it going up instead of down? I thought central banks were cutting rates. I guess maybe mostly … --- ## [Selling tips and experiences](https://forum.mustachianpost.com/t/selling-tips-and-experiences/19681)
**Author:** [@90sArcadeKid](https://forum.mustachianpost.com/u/90sArcadeKid)\ **Replies:** 59\ **Last updated:** [October 27, 2026, 7:13pm UTC](https://forum.mustachianpost.com/t/selling-tips-and-experiences/19681 "2026-10-27T19:13:33Z")
Hi Mustachians, I am currently selling my flat. I have not had as many visit requests as I was expecting, and even the virtual tours have only attracted around 4%. Would you like to share your experiences, or is it all… --- ## [VIAC launched their own mortgage offering](https://forum.mustachianpost.com/t/viac-launched-their-own-mortgage-offering/8010)
**Author:** [@kane](https://forum.mustachianpost.com/u/kane)\ **Replies:** 155\ **Last updated:** [October 12, 2026, 12:40pm UTC](https://forum.mustachianpost.com/t/viac-launched-their-own-mortgage-offering/8010 "2026-10-12T12:40:52Z")
VIAC seems to be addingt new offerings heavily, after the life insurance last week, they now also offer a mortgage offering together with WIR Bank, see Mortgage – VIAC There are a couple of implications, you need to be … --- ## [Finpension potential mortgage offering](https://forum.mustachianpost.com/t/finpension-potential-mortgage-offering/18424)
**Author:** [@ternes11](https://forum.mustachianpost.com/u/ternes11)\ **Replies:** 28\ **Last updated:** [October 12, 2026, 9:57am UTC](https://forum.mustachianpost.com/t/finpension-potential-mortgage-offering/18424 "2026-10-12T09:57:05Z")
Looks like finpension may enter the mortgage business (link) Für weiteres Wachstum setzt Finpension auch auf neue Geschäftsfelder. Das Unternehmen strebt weiterhin eine Banklizenz an und prüft zudem den Einstieg ins Hy… --- ## [Direct Residential Real Estate Funds in Switzerland](https://forum.mustachianpost.com/t/direct-residential-real-estate-funds-in-switzerland/13092)
**Author:** [@Bibi4](https://forum.mustachianpost.com/u/Bibi4)\ **Replies:** 426\ **Last updated:** [October 7, 2026, 4:32am UTC](https://forum.mustachianpost.com/t/direct-residential-real-estate-funds-in-switzerland/13092 "2026-10-07T04:32:10Z")
French infos (change lang for german) Restriction d'accès aux produits de placement In prospectus it is said that (translated from french) “The fund invests directly in real estate. Taxation is therefore happens only a… --- ## [Buying first property: sanity check needed!](https://forum.mustachianpost.com/t/buying-first-property-sanity-check-needed/18454)
**Author:** [@windy](https://forum.mustachianpost.com/u/windy)\ **Replies:** 23\ **Last updated:** [September 30, 2026, 10:35am UTC](https://forum.mustachianpost.com/t/buying-first-property-sanity-check-needed/18454 "2026-09-30T10:35:38Z")
Hi all, Long-time lurker here, thanks to all for the incredibly valuable contributions over the last years! My partner and I are looking at buying our first place. Currently seriously considering a new-build PPE in a s… --- ## [Can one use a margin loan from IB to put down money on a (rental) property?](https://forum.mustachianpost.com/t/can-one-use-a-margin-loan-from-ib-to-put-down-money-on-a-rental-property/9223)
**Author:** [@Giff](https://forum.mustachianpost.com/u/Giff)\ **Replies:** 76\ **Last updated:** [September 28, 2026, 8:56am UTC](https://forum.mustachianpost.com/t/can-one-use-a-margin-loan-from-ib-to-put-down-money-on-a-rental-property/9223 "2026-09-28T08:56:18Z")
Or would the tax office find out that you didn’t put down 25% in cash and complain? --- ## [Buy a house linked to life annuity (Viager in french)](https://forum.mustachianpost.com/t/buy-a-house-linked-to-life-annuity-viager-in-french/13842)
**Author:** [@ParaStachian](https://forum.mustachianpost.com/u/ParaStachian)\ **Replies:** 20\ **Last updated:** [September 23, 2026, 1:18pm UTC](https://forum.mustachianpost.com/t/buy-a-house-linked-to-life-annuity-viager-in-french/13842 "2026-09-23T13:18:39Z")
Hi! A friend contacted me about a house to sell with a viager. I did not find a proper english translation for viager, but as a quick definition basically you buy the house at a discount, but you have to let the seller… --- ## [Stepping in and out of a mortgage](https://forum.mustachianpost.com/t/stepping-in-and-out-of-a-mortgage/19595)
**Author:** [@Butch](https://forum.mustachianpost.com/u/Butch)\ **Replies:** 19\ **Last updated:** [September 17, 2026, 7:30am UTC](https://forum.mustachianpost.com/t/stepping-in-and-out-of-a-mortgage/19595 "2026-09-17T07:30:40Z")
I’m curious if people have experience of following this route: Let’s say you have a substantial part of your mortgage in flexible SARON and let’s say you’ve already paid down enough of the mortgage to meet min. require… --- ## [How do you estimate the market value of your home?](https://forum.mustachianpost.com/t/how-do-you-estimate-the-market-value-of-your-home/19575)
**Author:** [@Butch](https://forum.mustachianpost.com/u/Butch)\ **Replies:** 18\ **Last updated:** [September 15, 2026, 10:08am UTC](https://forum.mustachianpost.com/t/how-do-you-estimate-the-market-value-of-your-home/19575 "2026-09-15T10:08:11Z")
Once a year i sit down to create an updated balance sheet for me and my wife - basically mortgage debt as liability and all major assets (2nd and 3rd pillar, stock portfolio, (art)collection, major other valuables, and r… --- ## [Early termination of fixed term mortgage by lending bank](https://forum.mustachianpost.com/t/early-termination-of-fixed-term-mortgage-by-lending-bank/18969)
**Author:** [@Rickety365](https://forum.mustachianpost.com/u/Rickety365)\ **Replies:** 61\ **Last updated:** [August 19, 2026, 7:28pm UTC](https://forum.mustachianpost.com/t/early-termination-of-fixed-term-mortgage-by-lending-bank/18969 "2026-08-19T19:28:52Z")
Hello I have a question regarding early termination of fixed rate mortgages. It might not be entirely specific to this site, but given the amount of financial discussion I thought people might be able to weigh in. Long… --- ## [Consequences of imputed rental value removal \[2026\]](https://forum.mustachianpost.com/t/consequences-of-imputed-rental-value-removal-2026/19451)
**Author:** [@ach](https://forum.mustachianpost.com/u/ach)\ **Replies:** 22\ **Last updated:** [August 19, 2026, 9:47am UTC](https://forum.mustachianpost.com/t/consequences-of-imputed-rental-value-removal-2026/19451 "2026-08-19T09:47:53Z")
While I agree with the first part of your sentence, I have a feeling that the abolition of imputed rental value will in fact slow down price growth, at least for a number of years until the market adjusts itself to the … --- ## [10% deposit too risky?](https://forum.mustachianpost.com/t/10-deposit-too-risky/19381)
**Author:** [@90sArcadeKid](https://forum.mustachianpost.com/u/90sArcadeKid)\ **Replies:** 30\ **Last updated:** [August 18, 2026, 1:24pm UTC](https://forum.mustachianpost.com/t/10-deposit-too-risky/19381 "2026-08-18T13:24:09Z")
Hi Mustachians, I am interested in a house that is for sale, but the owners need to sell it quickly and want a 10% deposit. Ideally, I would like to sell my apartment first and then pay the 10% deposit on the house, but… --- ## [Home Renovation](https://forum.mustachianpost.com/t/home-renovation/16808)
**Author:** [@Lucy11](https://forum.mustachianpost.com/u/Lucy11)\ **Replies:** 56\ **Last updated:** [July 31, 2026, 6:33am UTC](https://forum.mustachianpost.com/t/home-renovation/16808 "2026-07-31T06:33:26Z")
I’m new to this forum and happy to gain insight from all of you. I’m in the middle of a home renovation and I’m currently managing the entire project by myself. I am not making any big structural changes and thought it… --- ## [Sell a house or build something new?](https://forum.mustachianpost.com/t/sell-a-house-or-build-something-new/19339)
**Author:** [@Dad](https://forum.mustachianpost.com/u/Dad)\ **Replies:** 6\ **Last updated:** [July 29, 2026, 7:25pm UTC](https://forum.mustachianpost.com/t/sell-a-house-or-build-something-new/19339 "2026-07-29T19:25:51Z")
Hi everyone, A few years ago my wife has bought a plot via family “privileges” with a 1 family house in the outskirts of Fribourg. The surface plot is around 800m2 and the house is 120m2 excluding the basement It has … --- ## [Buying a 2-Room in Kanton ZH vs. Rent and ETF (VT)?](https://forum.mustachianpost.com/t/buying-a-2-room-in-kanton-zh-vs-rent-and-etf-vt/19291)
**Author:** [@dpkgreg](https://forum.mustachianpost.com/u/dpkgreg)\ **Replies:** 9\ **Last updated:** [July 26, 2026, 2:30pm UTC](https://forum.mustachianpost.com/t/buying-a-2-room-in-kanton-zh-vs-rent-and-etf-vt/19291 "2026-07-26T14:30:01Z")
Hi everyone, I am considering buying a small apartment in Kanton ZH. I’m looking for a sanity check regarding Swiss homeownership. I’ve run the numbers, but I want to make sure I’m not falling into a classic psychologi… --- ## [Crowdhouse experiences](https://forum.mustachianpost.com/t/crowdhouse-experiences/1772)
**Author:** [@dbu](https://forum.mustachianpost.com/u/dbu)\ **Replies:** 67\ **Last updated:** [July 23, 2026, 7:51am UTC](https://forum.mustachianpost.com/t/crowdhouse-experiences/1772 "2026-07-23T07:51:02Z")
Hello all, I saw this mentioned in a couple of threads, so I wanted to inquire about your experiences. Crowdhouse How do you find it, if you used it? Would you recommend it as a REIT investment option? --- ## [Renting out apartment calculation at marginal income+wealth tax rate in Zurich](https://forum.mustachianpost.com/t/renting-out-apartment-calculation-at-marginal-income-wealth-tax-rate-in-zurich/19244)
**Author:** [@Zorro](https://forum.mustachianpost.com/u/Zorro)\ **Replies:** 18\ **Last updated:** [July 8, 2026, 2:05pm UTC](https://forum.mustachianpost.com/t/renting-out-apartment-calculation-at-marginal-income-wealth-tax-rate-in-zurich/19244 "2026-07-08T14:05:37Z")
I’ve made a hypothetical calculation, and I’d like to check what’s wrong with it, because the result is rather disappointing: Imagine, in a location in Kanton Zurich, you can buy an apartment for 700k CHF, and rent it o… --- ## [Foreclosure real estate Tool](https://forum.mustachianpost.com/t/foreclosure-real-estate-tool/19207)
**Author:** [@Waluigi](https://forum.mustachianpost.com/u/Waluigi)\ **Replies:** 9\ **Last updated:** [July 3, 2026, 7:34pm UTC](https://forum.mustachianpost.com/t/foreclosure-real-estate-tool/19207 "2026-07-03T19:34:45Z")
Hello everyone, i made a website that might interest the people looking for real estat deals. So i was looking into buying a home through one of the foreclosure auctions to maybe score a sweet deal. I quickly realised t… --- ## [Ideas and cost to improve cooling in existing building?](https://forum.mustachianpost.com/t/ideas-and-cost-to-improve-cooling-in-existing-building/19134)
**Author:** [@Brndete](https://forum.mustachianpost.com/u/Brndete)\ **Replies:** 106\ **Last updated:** [July 1, 2026, 12:20pm UTC](https://forum.mustachianpost.com/t/ideas-and-cost-to-improve-cooling-in-existing-building/19134 "2026-07-01T12:20:20Z")
Now that summer is approaching, does anyone have practical experience in adding / upgrading the cooling in an existing building? I picked-up some terms, already and started looking into them. Does anyone have practical … --- ## [First time future home-owners](https://forum.mustachianpost.com/t/first-time-future-home-owners/18995)
**Author:** [@Eddie](https://forum.mustachianpost.com/u/Eddie)\ **Replies:** 22\ **Last updated:** [June 21, 2026, 12:33pm UTC](https://forum.mustachianpost.com/t/first-time-future-home-owners/18995 "2026-06-21T12:33:19Z")
Hi, We are in the process of becoming future homeowners of an individual house built about 13 years ago. The house is in a good condition and equipped with a geothermal heat pump (Wärmepumpe mit Erdsonde). The water is … --- ## [About to become a first time home owner](https://forum.mustachianpost.com/t/about-to-become-a-first-time-home-owner/19081)
**Author:** [@tzi](https://forum.mustachianpost.com/u/tzi)\ **Replies:** 7\ **Last updated:** [June 11, 2026, 5:03pm UTC](https://forum.mustachianpost.com/t/about-to-become-a-first-time-home-owner/19081 "2026-06-11T17:03:51Z")
Hello everyone, long time reader first time poster here. We’re in the process of buying a house in the surroundings of Geneva. We already visited a few times (it’s a house from 1980 that needs a bit of renovation). I … --- ## [Helvedom: an AI tool to estimate real estate prices](https://forum.mustachianpost.com/t/helvedom-an-ai-tool-to-estimate-real-estate-prices/18613)
**Author:** [@RBO](https://forum.mustachianpost.com/u/RBO)\ **Replies:** 15\ **Last updated:** [June 9, 2026, 12:19pm UTC](https://forum.mustachianpost.com/t/helvedom-an-ai-tool-to-estimate-real-estate-prices/18613 "2026-06-09T12:19:24Z")
I am looking for a place to buy and got frustrated with what’s out there. Comparis and Homegate show you listings, but they tell you nothing about whether a price makes sense, or how municipality X compares to Y once you… --- ## [Buying a tenanted property as primary residence in Vaud](https://forum.mustachianpost.com/t/buying-a-tenanted-property-as-primary-residence-in-vaud/19025)
**Author:** [@Linkind](https://forum.mustachianpost.com/u/Linkind)\ **Replies:** 3\ **Last updated:** [June 4, 2026, 7:37am UTC](https://forum.mustachianpost.com/t/buying-a-tenanted-property-as-primary-residence-in-vaud/19025 "2026-06-04T07:37:17Z")
Hello, My partner and I are interested in purchasing an apartment in the canton of Vaud. However, the property is currently rented out under a lease agreement that is renewed year after year on April 1st. Our plan is t… --- ## [Your experience with Mortgage Brokers (First mortgage, Hypoplus, moneypark, Hypotheke.ch)](https://forum.mustachianpost.com/t/your-experience-with-mortgage-brokers-first-mortgage-hypoplus-moneypark-hypotheke-ch/11733)
**Author:** [@Bluesky](https://forum.mustachianpost.com/u/Bluesky)\ **Replies:** 50\ **Last updated:** [June 3, 2026, 7:31pm UTC](https://forum.mustachianpost.com/t/your-experience-with-mortgage-brokers-first-mortgage-hypoplus-moneypark-hypotheke-ch/11733 "2026-06-03T19:31:07Z")
Hi everyone, I was wondering if you have any hints and tips as I am about to buy my first property (primary residence) using my 2nd pillar and 3A. I don’t know if some of you have worked with a broker like Hypoplus, mone… --- ## [Retiring at 62, is investing 2nd pillar in real estate stupid](https://forum.mustachianpost.com/t/retiring-at-62-is-investing-2nd-pillar-in-real-estate-stupid/18797)
**Author:** [@bamboo](https://forum.mustachianpost.com/u/bamboo)\ **Replies:** 25\ **Last updated:** [June 3, 2026, 8:21am UTC](https://forum.mustachianpost.com/t/retiring-at-62-is-investing-2nd-pillar-in-real-estate-stupid/18797 "2026-06-03T08:21:04Z")
I will retire in 6 month, at the age of 62, and have actually 5 MCHF in stock and will receive a bit less than 2MCHF as lump sum from 2nd pillar. As safety measure I would like to diversify by buying a multifamily reside… --- ## [Target LTV ratio on mortgage](https://forum.mustachianpost.com/t/target-ltv-ratio-on-mortgage/19005)
**Author:** [@Butch](https://forum.mustachianpost.com/u/Butch)\ **Replies:** 12\ **Last updated:** [June 1, 2026, 7:05pm UTC](https://forum.mustachianpost.com/t/target-ltv-ratio-on-mortgage/19005 "2026-06-01T19:05:20Z")
Our bank was very ‘encouraging’ towards me and my wife to get a bigger mortgage and/or less downpayment when we got our mortgage but we took a conservative approach on purpose. We moved into our newly built house 2+ yea… --- ## [Indirect Amortization + Mortgage "stop"](https://forum.mustachianpost.com/t/indirect-amortization-mortgage-stop/18896)
**Author:** [@Carambau](https://forum.mustachianpost.com/u/Carambau)\ **Replies:** 18\ **Last updated:** [May 26, 2026, 9:20am UTC](https://forum.mustachianpost.com/t/indirect-amortization-mortgage-stop/18896 "2026-05-26T09:20:21Z")
hi everyone calling on your collective knowledge and experience. I was chatting to a colleague at work about mortgages and financing and he shared 2 pieces of information that I was not aware about and was wondering if … --- ## [Fixed-rate mortgage: how would you choose the duration?](https://forum.mustachianpost.com/t/fixed-rate-mortgage-how-would-you-choose-the-duration/18908)
**Author:** [@Snipy](https://forum.mustachianpost.com/u/Snipy)\ **Replies:** 5\ **Last updated:** [May 18, 2026, 4:38pm UTC](https://forum.mustachianpost.com/t/fixed-rate-mortgage-how-would-you-choose-the-duration/18908 "2026-05-18T16:38:37Z")
Hello ! Your thoughts and insights are always valuable to me, so.. I’m here :smiley: You may have seen my previous topic here (Direct amortization + pillar 3a vs Indirect amortization? And Life insurance necessary? - R… [Next page](https://forum.mustachianpost.com/c/real-estate/6.md?page=1)