Buyer
Buying in Your Own Name a Property Held by an SI in Geneva
You are not buying a flat but the shares of a company: why banks no longer follow, what latent tax is, how to calculate…
Knowledge centre
Financing
Equity, rates, amortisation, theoretical charge: what determines your purchasing power and what the bank really looks at.
11
articles in this topic
151
articles, all topics
Buyer
Moving to Geneva with a Lump-Sum Tax Arrangement
Taxed on your lifestyle rather than your income: who is eligible, how the base is calculated in Geneva — 7 times the rent —…
Advice
Mortgage Renewal in Geneva: When and How
The renewal date is prepared 12 to 24 months in advance. The timetable, the hidden cost of a reserved rate, and what happens if…
Financing
Low rates in Geneva: why the bank won’t lend you more
The SNB policy rate is at 0%. This changes your monthly instalments, not your borrowing capacity: the bank calculates using a theoretical rate of…
Advice
Mortgages in Geneva: ranks, rates and amortisation explained
First and second rank, fixed rate or SARON, withdrawal or pledge of the 2nd pillar: how a mortgage works — and what is decided…
Advice
Direct or Indirect Amortisation: Which to Choose in Geneva?
Repay the bank, or save into a pledged pillar 3a? The two mechanisms compared, their effect on Geneva wealth tax — and what 2029…
Advice
Mortgage Note: Definition, Cost and Use in Geneva
The title of pledge that secures your mortgage: what it is, what it costs at the notary, and why to keep it after repayment.
Advice
What Income Is Needed to Buy in Geneva? The Banks’ Calculation
Swiss banks all apply the same calculation: a theoretical rate of 5%, amortisation, upkeep. Here is the income required, price by price.
Advice
Reinvestment relief: deferring property gains tax in Geneva
Selling your main residence and buying again lets you defer the IBGI — five years to reinvest in Geneva. Conditions, deadlines and a worked…
Advice
Financial capacity: how much can you buy in Geneva?
Own funds, 2nd pillar, theoretical rate of 5%, one-third ratio: how banks calculate your purchasing potential — full example at 2.5 million.
Advice
LFAIE (Lex Koller): who can buy property in Geneva?
Permit B, permit C, cross-border worker, foreign company: what the Lex Koller allows — and forbids — when buying a home in Geneva, case…
Rousseau 5 — Estate agency, Geneva Left Bank
Rousseau 5 has been the high-end estate agency specialising in residential property on Geneva's Left Bank since 2012. Villas, apartments, penthouses and off-market opportunities — every mandate is handled by a dedicated broker with precise knowledge of Cologny, Champel, Chêne-Bougeries, Collonge-Bellerive, Vandœuvres and the whole lakeside area.