All Documents at a Glance: Your Guide to Mortgage Consultation

Basel, 12.03.2024

Do you dream of owning property in Switzerland? Then it’s crucial to thoroughly prepare for the mortgage application process. Acquiring a property entails not only excitement but also comprehensive documentation. To facilitate the process, we have compiled all the necessary documents for you:

1. Personal documents:

• Proof of identity: A valid passport or ID is essential to confirm your identity.
• Salary statement: Your current salary statement provides insight into your annual income and any bonus payments. The last three months’ pay slips also serve as proof.
• Employment contract: A copy of your employment contract or confirmation from your employer informs about your professional situation.
• Extract from the debt collection register: This must not be older than three months and indicates whether you have any debts.
• Tax returns: The tax return from the previous year provides insights into your financial situation.
• Obligations: Consider additional commitments such as alimony, ongoing lease agreements, or small loans, as banks take these costs into account in the calculation.

2. Property documents:

• Land register extract: Current and not older than three months, it shows the ownership structure of the property.
• Building insurance: A valid insurance policy is essential and contains information about the volume and construction year of the property.
• Photos: Current photos of the exterior, kitchen, living room, and bathroom are requested by banks.
• Floor plans: These show the room layout and living space of the property.
• Construction description: Describes your property by materials, techniques, and standards to provide a clear basis for property valuation.
• Additional documents: Depending on the bank and property, additional documents such as construction plans or permits may be required.

By collecting and organizing these documents early on, you can smoothly and efficiently process your mortgage application. We hope this guide helps you realize your dream of homeownership in Switzerland.

If you have any questions or need further information, please don’t hesitate to contact us. We are here to support you on your journey to owning your own home!