administrateur, auteur sur L3 Properties

28 October 2019 administrateur news

« AN ENVIRONMENT OF RURAL OR URBAN LIFE? »HOW TO CHOOSE IF IT’S BETTER MOVING TO THE CITY OR THE COUNTRYSIDE?

Moving includes many factors, which are individually adaptable. Living outside the city does not prevent you from spending every afternoon, if you wish.

Define your priorities, to better find a property that suits you

If you are thinking of moving to a new apartment or want to buy a house, it is important to know what you want to do in your life. It may seem obvious, but these priorities will define the type of good in which you will feel the best. Some people only feel good in the countryside, while others would never imagine living outside a city center because they need a constantly changing lifestyle. Your priorities will influence whether you think it’s more appropriate to buy a house or if a simple lease seems more appropriate. Those wishing to settle with a family may prefer a purchase, while those in training will usually choose the lease. However, these differences may not be so marked. Country life can be close to town, and city dwellers may like to retire. A real estate purchase can also be a means of renting the property in question at a later date to buy another and thus generate a profitable profit in the long term. It should not be believed that a particular choice implies a complete obstruction.

To settle in the city, a historical determinism?

The reflex of people moving into the city has its origins in the development of nineteenth-century industrialization in Europe. A phenomenon peculiar to this period has developed that is called “rural exodus” and that has pushed a majority of rural inhabitants to move to the city to find work. Nevertheless, this trend of an all-technological irrationality resulted in the emergence of a housing crisis and the creation of ghettos in some less privileged neighborhoods. But this saturation of the urban fabric is not only problematic at the urban level, it also has its perverse effects on everyone’s health. The counter-reaction was therefore for those in search of tranquility to move out of the city and return to the countryside, to feel again the organic respiration of nature. This has created a new trend that allows rural communities to repopulate and benefit from new architectural projects.

The advantages of the Swiss countryside

Living in the countryside will allow you to be in harmony with nature. The French-speaking Swiss countryside is one of the most tranquil places in the world, enough to give you the means to feel good. The tendency to reduce country homes to traditional families remains highly reductive. Each type of housing can be considered in reality in a close to nature. The campaign has become a place where corporate bosses or celebrities like to take a break from constant solicitations.

Urban real estate: the embarrassment of choice

Swiss cities do not correspond as much to the post-modern cliché of urbanization. The presence of the Alps or Lake Geneva gives a natural setting to Swiss cities, which makes them more pleasant. Cities offer their own detours to offer tranquility to their inhabitants. The development of the current real estate market is trying to find today this balance, between the dynamism of the cities and the calm of the campaign, without having necessarily to be limited to only one of these choices.

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28 October 2019 administrateur news

PROPERTY LAND IN SWITZERLAND: WHAT INSURANCE TO CHOOSE?

Becoming a landowner in Switzerland involves varying needs in terms of safety, depending on everyone’s expectations. Owning real estate insurance is necessary and while the recourse to some are justifiable, others are less obvious, given the profiles. Knowing that Switzerland is one of the most expensive countries in terms of insurance, it is important to make a point on the subject to help you identify the most appropriate insurance for your case. You also need to be able to distinguish between the risks you want to protect and those you agree to finance on your own.

Basic property insurance

Property insurance is usually mandatory when you own land. If you live in the cantons of Geneva, Appenzell Innerrhoden, Valais and Ticino, know that it is not taxed, but it is highly recommended to subscribe to it at your cantonal insurance office. It should be noted that for the canton of Schwyz, Obwalden and Uri, the subscription will have to be done not by your canton, but by GVB Private Insurance SA for example. Once this basic insurance is underwritten, it will take into account the damage caused by natural and real estate damage. You’ll be insured for landslides, floods, fires, avalanches, hail, rockslides and storms, among other things. On the other hand, it should be known that the damage caused by earthquakes, even if it is a natural event, is not taken into account by this insurance, but by an insurance seismic. This explains the need sometimes to resort to additional insurance, to protect you according to your case.

Additional real estate insurance

When you are a landowner in Switzerland, we have seen that your compulsory insurance does not cover all possible damages. That’s why additional insurance has been created. It is then up to you to choose which to subscribe according to your needs and your expectations. For example, if you are afraid of being a victim of water damage not caused by floods or floods and you do not want to pay the damage out of your pocket, you will need specific insurance against water damage. It will work for problems of infiltration of rain, snow and oil leaks. For non-natural ice breakage – everything about windows and bathroom ceramics that you have broken in your home, you will need insurance against breakage. of ice. On the other hand, if you are clumsy and you break glass or ceramics at a friend’s house, you will need liability insurance to hope for repayment assistance. Then, in case you rent a property, know that a legal protection insurance will protect you in case of disputes with your tenant. Also think of building liability insurance in the event that one of your trees falls on the neighbor’s garage, because it will be your responsibility and not that of your tenant.

28 October 2019 administrateur news

IS IT MORE ADVANTAGEOUS TO BUY A NEW REAL ESTATE THAN RENT IT?

In Switzerland, opinions differ and questions arise about the benefits of buying one’s main home rather than renting it. Indeed, many tenants wonder if it was not more profitable to become an owner. It should be noted that being a homeowner has several repercussions, hence the importance of weighing the pros and cons.

Are you ready for a real estate purchase?

Before acquiring a property, you must know that being a tenant brings benefits in the field of mobility. Faced with a new job abroad or future prospects, tenants have the power to rent an apartment or a house at any location. This mobility remains difficult to obtain if one becomes the owner of one’s own home.

By aptitude, one must also ask if we will need space in the future. Answering these questions will help you determine if you want to own a property.

Financial stability

Before you buy a house or apartment, you will need to know the amount to pay for any property. The technique is to avoid going to the extreme of your financial limits.

If you have the initiative to apply for a mortgage loan, you will be forced to provide equity up to 20%. To buy, you must be able to build this type of deposits with depreciation, mortgage debts, ancillary costs and maintenance costs.

Know your needs

In order to determine the house of your dreams, it is important to know the needs. To do this, you must express your wishes in the most frank manner possible, without being influenced by friends. The first thing to do is to define the type of property that meets your expectations, be it a double house, a storey building or a family villa.

These properties are different, especially in terms of price, advantages and disadvantages. Thus, the determination of the type of dwelling is necessary when one wants to buy a property. In contrast to this procedure, the rental only requires the choice of the house or apartment.

In general, the trend of the home remains the vast plans for the living room and the dining room. Often, large rooms are not very useful for a new home. The first concern also lies in the disadvantage of the child’s room. This room is too small while children need space compared to adults.

Know how to study the real estate market

To promote the acquisition of a property, it is important to study real estate listings. These ads play a vital role in the orientation of buyers and help to find a house or apartment to rent or buy.

With the advancement of technology, real estate agencies are offering an online guided tour for prospective buyers. During the visits, you will only have to mark the important points of the accommodation. Following this study, you must take into account the different requirements that habitat must meet before acquisition. One of the important points is the detection of hidden defects in the future housing.

28 October 2019 administrateur news

WHAT ARE THE KEY POINTS FOR ACQUIRING A PPE APARTMENT?

In Switzerland, it is possible to buy the property of a single apartment present in a condominium building. This is a rather special form called EPP or Property By Floors. On the other hand, this is defined as a notary property of a floor, directly registered in the land register. What should we expect when buying a PPE apartment?

Make tax savings by buying a flat in PPE

When you occupy the role of mortgage client, know that your tax situation changes. For renovation, all the measures used to preserve the value of the apartment remain tax deductible. In principle, it was the tax authorities who determined that only renovation works provide added value compared to those preserving the value of the property.

In addition, you have the option to deduct the cost of buying items to replace the old ones with your taxable income. In general, it is the electronic devices, windows, doors, or even the renovation of the bathroom that can collect the tax deduction. To take advantage of this, it is advisable to space renovations by several years to achieve greater savings. Apart from the change of equipment, the insulation of the roof, facade and insurance premiums are eligible for the tax deduction.

Is the purchase of an apartment in PPE more advantageous?

Although getting a new apartment depends on your personal situation, living in your own home is always advantageous. At present, interest rates are low and favorable for the purchase of a flat in EPP. Thus, the number of households buying an apartment has also increased. However, this bonus remains revitalized by the increase in the price on the real estate market. Experts deduce that the higher the price of real estate in a city, the more interesting the rental.

However, buying an apartment in EPP brings privileges such as:

to be able to make a pension, because you have only your pension when the repayment is finished;
put the property on lease at any time for the purpose of generating additional income;
independence from rental income as you are the owner;
obtaining a capital contribution for your children during the inheritance.

The criteria to be taken into account when buying a flat in PPE

If you want to have your own apartment in EPP, you have to consider several criteria such as the mortgage interest rate and the purchase price. Therefore, you need to look at:

The renovation fund

These funds include the contributions made by the co-owners to pay for repairs and maintenance of the building. As a co-owner, you must participate in these community costs.

The charges

The charges depend on the age of the dwelling and its condition. Often, it is your job to include rental charges ranging from 0.7 to 1%.

The shock absorbers

Depreciation, you must reduce the debt from time to time, especially in the case of a loan repayment. The procedure remains simple since it is sufficient to calculate the amount with 1% of the total sum of the contract of the bank loan per year.

Sanitation and renovations

It must provide 0.3% of the value of the property to deal with the depreciation of the apartment following the various ravages over time. This percentage comes down to renovations and renovations.