💡 Looking to sell your property at the best price? 🏡
Don’t leave anything to chance and get in touch!
🎯 Take the first step toward a successful sale!
🚀 Maximize your profits with expert valuation, smooth paperwork, and a tailored marketing strategy that puts your property in front of serious buyers.
🌟 Plus, we’ll connect you with top professional agencies in your local region to ensure a fast, profitable sale.
🏡 We handle the details—from tax advice to local regulations—so you can focus on what matters. Let’s make your sale effortless and rewarding! 💰✨
Let’s walk through a real example of selling a property for CHF 1 million in Bern and break down the entire process, including taxes, fees, and expected gains:
1. Mortgage Overview 🏠
Mortgage Amount: CHF 800,000 💰
Interest Rate: 1.5% per year 💸
Amortization: None (interest-only mortgage) 🚫💳
Term: 1 year (for simplicity) 📅
2. Annual Interest Costs 💵
Interest: 1.5% of CHF 800,000 = CHF 12,000 per year 🧾
3. Additional Costs to Consider 🧾
Notary Fees: 1.2% of the sale price (CHF 1,000,000) = CHF 12,000 🖋️
Administrative Costs: CHF 1,500 for documents and land registry updates 🗂️
Capital Gains Tax: 25% on CHF 200,000 gain = CHF 50,000 💸
4. Net Gain After Mortgage and Costs 💡
After subtracting the mortgage interest, notary fees, administrative costs, and capital gains tax from your sale proceeds:
Sale Price: CHF 1,000,000 💵
Mortgage Payoff: CHF 800,000 💳
Notary Fees: CHF 12,000 ✍️
Administrative Costs: CHF 1,500 📑
Capital Gains Tax: CHF 50,000 💸
Interest Payment: CHF 12,000 🏦
= CHF 124,500 💰
So, after all deductions, CHF 124,500 is your net gain in Bern! 🎉
But it is not the same in the whole Switzerland :
- Zurich: CHF 114,500 💵
- Basel: CHF 134,500 💰
- Zug: CHF 144,500 💸
- Sion: CHF 134,500 💸
- Lausanne: CHF 124,500 💰
- Geneva: CHF 124,500 💰