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Property purchase costs in French-speaking Switzerland
Transfer tax, notary and land registry: estimate the purchase costs of a property in Fribourg, Vaud, Geneva, Neuchâtel, Jura or Valais.
CHF 68’900.–
estimated purchase costs
| Transfer tax (canton and municipality) | 3.3 % · CHF 52’897.– |
|---|---|
| Notary, land registry and mortgage certificates (estimate) | ≈ 1 % · CHF 16’029.– |
| Minimum equity (20% of the price) | CHF 320’586.– |
| Cash required (equity and costs) | CHF 389’500.– |
2.2% for the canton, plus up to 1.1% depending on the municipality; some municipalities waive it for a main residence.
How is it calculated?
Purchase costs cannot be financed by the mortgage: they come on top of your equity. Transfer tax is set by the canton and municipality; the notary gives you the exact amount before signing.
Indicative, non-binding results. For personal advice, contact us or ask Georges.
Frequently asked questions
Who pays the transfer tax?
In principle the buyer, unless the sale deed provides otherwise.
Can I use my pillar 2 pension?
Yes, for a home you live in, but at most half of the minimum equity (10% of the price) may come from pillar 2.