Buying a house in Freiburg: prices and mortgage (cross-border guide)

Context

Buying a house in Freiburg: prices and mortgage loan ## In short - Average house prices in Freiburg around CHF 450'000 - Own funds required for the mortgage loan of at least CHF 20'000 - Sustainability of the mortgage loan depends on factors such as the house price and the interest rate - Transfer tax in Freiburg of 3.1% ## Key facts - Average house price in Freiburg: CHF 450'000 - Own funds required: CHF 20'000 - Sustainability of the mortgage loan: depends on factors such as the house price and the interest rate - Transfer tax in Freiburg: 3.1% The average house price in Freiburg is around CHF 450'000. To buy a home, you need to have own funds of at least CHF 20,000 for the mortgage loan. The sustainability of the mortgage loan depends on factors such as the price of the house and the interest rate. The pass-through tax in Freiburg is 3.1%. ## How to calculate the price of a house in Freiburg To calculate the price of a house in Freiburg, you need to consider several factors. The price of a house in Freiburg can vary greatly depending on its location, size and conditions. On average, the price of a house in Freiburg is about CHF 450'000. For example, a 3-bedroom house in Freiburg can cost around CHF 350'000, while a 4-bedroom house can cost around CHF 550'000. It is important to note that these prices are only a reference and ## Operational checklists - Check the price of the house - Check the own funds required for the mortgage loan - Check the sustainability of the mortgage loan - Check the transfer tax - Check the condition of the house - Check the location of the house

Operational details

The pass-through tax in Freiburg is 3.1%. This means that if you buy a CHF 500'000 home, the carry-over tax will be CHF 15'500. This amount is relatively low when compared to other Swiss cantons, such as the Canton of Ticino, where the transfer tax can reach 4.4%. In addition, the sustainability of the mortgage loan depends on factors such as the price of the house and the interest rate.

For example, if you buy a home from CHF 600'000 with an interest rate of 3%, the mortgage loan will be CHF 360'000. The sustainability of this mortgage will depend on factors such as monthly income and fixed expenses. If you consider a monthly income of CHF 6'000 and fixed expenses of CHF 2'000, the ratio of income to mortgage will be about 1.67. This means that the mortgage will be easily sustainable.

However, if you consider a monthly income of CHF 4'000 and fixed expenses of CHF 2'000, the ratio of income to mortgage will be about 1.33. In this scenario, the mortgage may be less sustainable. It is important to note that these are just examples and that the sustainability of the mortgage will depend on many personal factors.

According to Swiss federal regulations (NFP 641.31), the transfer tax may vary depending on the price of the house. For example, if the house price is less than CHF 250'000, the trespass tax is 1.8%. If the house price is between CHF 250'000 and CHF 500'000, the transfer tax is

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Key points

To buy a house in Freiburg, you need to have own funds of at least CHF 20,000 for the mortgage loan. In addition, it is important to consider the sustainability of the mortgage loan and the transfer tax. To determine the sustainability of the mortgage loan, you can use an online calculator. You can also consult a financial professional for personalised advice.

Swiss law provides that mortgages are sustainable and that loans do not exceed 90% of the value of the property. In addition, the Transfer Tax Law (Transfer Tax Law, lit) provides that the transfer tax shall not exceed 2% of the value of the property.

For example, if you buy a CHF 500'000 house in Freiburg, you need to have own funds of at least CHF 20'000 for the mortgage loan. In addition, the transfer tax amounts to CHF 10,000 (2% of CHF500,000).

💡 Using the online calculator:

To determine the sustainability of the mortgage loan, you can use an online calculator such as the one offered by the Swiss Bank UBS. The calculator allows you to enter data relating to property, loan and transfer taxes, and to calculate the sustainability of the mortgage loan.

"The mortgage loan is a loan that does not exceed 90% of the value of the property." - Art. 2 of the Transfer Tax Law

Checklist for buying a house in Freiburg

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