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Buying inside the city of Zurich is a small and competitive market, and if you are not Swiss the first question is not the price. It is which rules apply to you.
Lex Koller depends on your passport and your permit
The differences here are larger than most arrivals expect. With a C permit you buy on the same terms as a Swiss citizen. An EU or EFTA citizen resident in Switzerland is treated the same way even on a B permit, including for a rental investment or a second home. A B permit holder from outside the EU and EFTA may buy a home to live in themselves, but not an investment or a holiday property. The restriction is on what the property is acquired for, not on selling it again later. Someone not resident in Switzerland generally needs a cantonal permit, which for an ordinary city flat is rarely granted. Check your own case with the cantonal authority before you make an offer rather than after.
What the bank expects
A Swiss mortgage assumes you bring at least 20 percent of the price yourself, and at most half of that may come from your second-pillar pension. The rule that catches people is affordability. Lenders add up three things: a notional interest rate of around 5 percent, roughly 1 percent of the value each year for upkeep, and the amortisation needed to bring the loan down to two thirds of the lending value within 15 years. That total has to stay under a third of your gross income. At Zurich city prices it asks for a considerably larger salary than the real monthly payment suggests.
## Costs on top of the purchase price - Notary and land registry fees, generally in the region of 0.5 to 1 percent, usually split between buyer and seller. - No property transfer tax in the canton of Zurich, which is not the case in every canton. - Eigenmietwert: you are taxed on a notional rental value for the home you occupy, set against deductions for mortgage interest and maintenance.
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