Buying a house or an apartment means change. Your financial situation and obligations can shift overnight. Comprehensive planning is crucial for this step. First and foremost, it is important to find the financing model that suits you best. Even if you are not immediately buying or building, there are always interesting opportunities to take advantage of. Did you know, for example, that value-preserving investments and renovations can be deducted from your taxes? A planned approach to property management always pays off.

Monetary policy and interest rates are constantly changing, influenced by economic developments, currency fluctuations, and decisions made by major central banks. In Switzerland, monetary policy is also shaped by global factors and the performance of the Swiss franc. In a volatile interest rate environment, it is especially important to choose a financing solution that is suitable for the long term. In addition to selecting the loan term and model, tax considerations play a key role—particularly the balance between imputed rental value and mortgage interest costs. The choice of amortization method, whether direct or indirect via the third pillar, can also offer financial and tax advantages. A well-planned mortgage strategy helps avoid unnecessary risks and makes the most of individual opportunities.

We will accompany you as fully independent advisors with a holistic approach from the very beginning. To this end, VPZ will offer uncomplicated and tailor-made support just for you.

As holistic yet fully independent advisors, we support you from the very beginning. VPZ provides straightforward, personalized assistance tailored to your needs.