I’m curious in your case 1250.- you have included the augmented tax burden because of the ‘eigenheim’ fake income? If they added you 12000 of fake income and you are in the 20% tax regione that would mean 2400.- more taxes every year. And I assume you included insurance…? I’m not criticising I’m very interested in real life example.
On top of that two of the key price driver of homes are accessibility and frequency of public transportation and the presence of schools/jobs nearby. So it’s always difficult to really compare homes/apartments, since even if they are both 30 min from Lausanne one may be in a small city with all good things and the other lost in the fields with one bus every hour.
Finally, it is my personal experience that people owning a home are aaaaalways tinkering something, with higher frequency that they think. A new kitchen every 10-15 years, new heating system, painting and repainting, new light, remodeling and adding rooms and so on. More than 1% a year that is called maintenance, but many try to improve, not only maintain.
And if you think about it, you have to plan 1% of your total value just so that your asset won’t lose value. That’s insane. That’s much more than the 0.25% of ETF fees.
So I’m not against buying homes. It’s a marvelous feeling but it is an emotional decision. Until now for Switzerland I can’t make the numbers work. Because even if you are paying 4000 more per year, I’ll gladly pay that as “price of freedom” to be able to move wherever I want if job disappears in my region. And selling/renting out in a depressing market where everyone is going away (see Jura for a Swiss example) is going to hurt.