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Switzerland – Property Financing

Mortgages for Foreign Nationals in Switzerland

Local banks and other lenders issue mortgages to foreign nationals in Switzerland. Major Swiss banks such as UBS, Credit Suisse, and Raiffeisen offer mortgages to foreign nationals. Other non-Swiss banks with a presence in Switzerland, such as HSBC, also offer mortgages to foreign nationals.

Deposit Requirement in Switzerland

Typically, a deposit of 20-30% of the purchase price is required when buying a property in Switzerland. However, the exact amount may vary depending on the lender and the individual’s circumstances.

Outstanding Debts on the Property in Switzerland

In Switzerland, the new property owner is responsible for any outstanding debts on the property. It is important to check for any debts or outstanding mortgages before purchasing a property to ensure that the transfer of ownership goes smoothly.

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