Homes for sale in Zürich
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12 listings
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8/8CHF 680'000
Buy3.5 rooms·95 m²
Estavayer-le-Lac, 8001 Zürich
3 ½ rooms apartment
Dear Sir or Madam, In a real estate context where the price per square meter in Zurich is reaching record highs, making investment inc…
Listed 4 days ago
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7/7CHF 1'370'000
Buy2.5 rooms·59 m²
Ackersteinstrasse 141, 8049 Zürich
2 ½ rooms apartment
An exclusive new construction project **TOBELEGG** is being created in a sunny and quiet hillside location above the Limmat. Embedded in a…
Listed 1 week ago
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5/5CHF 1'350'000
Buy3.5 rooms·80 m²
Tobeleggweg 20, 8049 Zürich
3 ½ rooms apartment
Apartment with two balconies in the immediate vicinity of the Limmat in a 30 zone. An underground parking space must be purchased for CHF 5…
Listed 1 week ago
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4/4CHF 3'120'000
Buy3.5 rooms·120 m²
Martastrasse 115, 8003 Zürich
3 ½ rooms apartment
At the very top, where the city becomes a backdrop: The Anouk penthouse apartment in the core-renovated MARTA combines spacious 3.5 rooms w…
Listed 1 week ago
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7/7CHF 1'725'000
Buy3.5 rooms·93 m²
Berninastrasse 10, 8057 Zürich
3 ½ rooms apartment
At Berninastrasse 10 in Zürich-Oerlikon, we are creating a modern multi-family house with 20 high-quality condominiums. The 2.5 to 5.5-room…
Listed 1 week ago
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6/6CHF 1'495'000
Buy2.5 rooms·76 m²
Berninastrasse 10, 8057 Zürich
2 ½ rooms apartment
At Berninastrasse 10 in Zürich-Oerlikon, we are creating a modern multi-family house with 20 high-quality condominiums. The 2.5 to 5.5-room…
Listed 1 week ago
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6/6CHF 2'048'000
Buy4.5 rooms·122 m²
Berninastrasse 10, 8057 Zürich
4 ½ rooms apartment
At Berninastrasse 10 in Zürich-Oerlikon, we are creating a modern multi-family house with 20 high-quality condominiums. The 2.5 to 5.5-room…
Listed 1 week ago
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8/8Attic apartment
Buy3.5 rooms·109 m²
Berninastrasse 10, 8057 Zürich
3 ½ rooms attic flat
At Berninastrasse 10 in Zürich-Oerlikon, we are creating a modern multi-family house with 20 high-quality condominiums. The 2.5 to 5.5-room…
Listed 1 week ago
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4/4CHF 2'350'000
Buy3.5 rooms·97 m²
Martastrasse 115, 8003 Zürich
3 ½ rooms apartment
Where living becomes a place of retreat: The Leonie apartment in the core-renovated MARTA property combines spacious, light-flooded ceiling…
Listed 2 weeks ago
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10/10CHF 1'795'000
Buy3.5 rooms·98 m²
Im Wingert 32, 8049 Zürich
3 ½ rooms apartment
**Panorama, Privatsphäre und Potenzial. Begehrte 3.5 Zimmer Wohnung an privilegierter Lage in Zürich** An einer der gefragtesten Wohnlag…
Listed 3 weeks ago
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10/10CHF 920'000
Buy3.5 rooms·113 m²
Lindenbuckweg 7, 8306 Zürich
3 ½ rooms duplex
**Highlights** * Two balconies * Modern kitchen incl. Bora steam extractor * Several basement rooms * Walk-in closet on the…
Listed 4 weeks ago
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10/10CHF 1'585'000
Buy3.5 rooms·101 m²
Eichrainstrasse 21, 8052 Zürich
3 ½ rooms duplex
**Highlights** * Central location, 10 minutes to Zurich main station or airport * Shopping, gastronomy and public transport easil…
Listed 4 weeks ago
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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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