Guides: Financing

All guides on «Financing».

Overhead view of a table with tea and pastries where several older people are looking at a photo album together.

Estate planning · Financing

Passing on property: right of residence, equalisation and tax

Transferring the house during your lifetime and staying put: right of residence versus usufruct, equalisation among siblings, statutory shares, and the deferred property gains tax.

12 August 2026 · 6 min read

A Swiss house with a steep gabled roof in front of a snow-covered mountain range.

Financing · Estate planning

Abolishing the imputed rental value: what it means for retirees

Retirees with a largely repaid home are among the biggest winners of the Swiss system change. What changes, when – and what is worth checking already.

23 June 2026 · 5 min read

An older man wearing glasses working at a laptop, a stack of documents beside him.

Financing

Mortgages after retirement: how Swiss banks do the maths

At retirement the bank reassesses affordability – on pension income instead of salary. What that means, with a worked example and five routes when the sums no longer work.

16 June 2026 · 6 min read

A hand holding an apartment key with a fob in front of an open, brightly lit apartment door.

Financing · Moving home

Purchase costs when downsizing to a senior apartment

Moving means costs on both sides: transfer tax, notary, land registry and mortgage certificate on the purchase – agent's commission and property gains tax on the sale. With a worked example.

9 June 2026 · 5 min read

A modern apartment building with wrap-around balconies in front of a wooded mountainside.

Moving home · Financing

Buying a senior apartment in Switzerland: the process step by step

Buying an apartment in later life: the six phases and how long they take – and what differs from a first purchase: affordability on pension income, accessibility, the renovation fund.

2 June 2026 · 5 min read