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bauernhaus-kaufen

Buying a farmhouse in Switzerland.

Key points at a glance
Particularly in Switzerland’s larger cities, many people dream of buying a farmhouse and spending their later years there. Some also see a farmhouse as an investment opportunity, while others imagine themselves getting involved in some form of agricultural activity.

Buying a farmhouse and benefiting from the various possibilities.

Buying a farmhouse opens up a wide range of potential uses. In Switzerland’s big cities, such as Zurich, Basel, Bern or Geneva, many residents have spent a large part of their lives in an urban environment and worked there too. These are the very people who often feel like a radical change on reaching retirement age and swapping the fast pace of urban live for a rural idyll. A farmhouse offers the perfect conditions for this.

But there are investors too, who buy a farmhouse with a view to getting a return on it. Older farmhouses in particular will often require renovation and can be had for a relatively low purchase price. The investor is able to fully renovate the house they bought cheaply and then sell it on at a much higher price. Particularly with farmhouses near urban areas, there is also the option to repurpose them as apartment buildings, with a view to achieving a long-term return in the form of regular rental income.

Then there are the numerous working people who would prefer to pursue some kind of agricultural activity, as opposed to their current office job. Buying a farmhouse opens up various opportunities in such cases: people can stick to growing herbs, vegetables and fruit or keep various animals too. The harvest and other products like meat, milk and cheese can either be sold to large producers or offered for sale in their own farm shop.

Before you buy a farmhouse: What exactly are you looking for?

Before you start looking for a suitable farmhouse, you should be clear about your own ideas and needs. So it helps if you can answer the following questions in advance:

  • Should the farmhouse be the only building, or do you need other ones like a barn?
  • How big should the living space be, and the plot of land as a whole?
  • What kind of soil do you need for any agricultural activities?
  • Should the building perhaps include an additional apartment, which you will be able to rent out?
  • Where should the farmhouse be located? Should it be in a really rural region, or closer to an urban area?
  • If you are going to carry on working in the city: What would be your maximum commute? What do you need in terms of transport links?
  • Specific individual preferences: What are any non-negotiables for your farmhouse?
  • Would you want to let out any rooms you do not need on Airbnb?
  • What type of mortgage is best suited to the financing of farmhouses? How do you find the cheapest mortgage rates?

Once you have answered all these questions, you will have a pretty accurate picture of what you are looking for. Now you can embark on a targeted search for suitable properties and finally buy the best farmhouse for you. But first you still need to think about the optimal financing strategy or mortgage

Contact & advice. Request a real estate consultation now.

With MoneyPark, you will find all the real estate services you need in a single provider. We will be by your side from the search to the sale.

The current most attractive mortgage interest rates.

Saron mortgage from*

0.65%

Fixed-rate 10 years from

1.37%

Fixed-rate 5 years from

1.03%
* The value shown here for a SARON mortgage is made up of the current SARON (Swiss Average Rate Overnight) and the individual margin of the mortgage lender. Generally speaking, the interest rates shown are the best conditions currently available. Your personal interest rate may differ based on the loan-to-value ratio, affordability, mortgage volume and location of the property.