Renting in Switzerland: prior to arriving in Switzerland, you'll probably have to find a place to live, which can be easier said than done. While we usually move for positive reasons, such as a new job, the move itself can be harrowing. Here are some tips to help you avoid the pitfalls--especially if you're renting.
The decision to rent or buy clearly depends upon your personal circumstances. The standard 20 per cent down payment and restrictions imposed by Swiss mortgage lenders can pose challenges to would-be homeowners. Also, the Swiss property market is generally slow, so if your job has you constantly on the move, renting a home may be the best option. However, having said that, native Swiss traditionally rent property themselves, especially in cities, making it very difficult to find a reasonably priced house for rent.
Unlike property for sale, rental properties move quickly, therefore you have to be ready to say yes and provide a deposit within a few days.
A good way to find a home is to check the local papers, which often have designated days for advertising property. And many cantonal banks maintain free property websites. Homegate.ch is also a particularly good source, and you can register to receive alerts when a property matching your description comes on the market. If your circumstances do not allow you to hunt around, there are plenty of property letting agents offering this service--but check their fees first.
We recommend you consider the following factors before searching:
Generally: House or flat? You might not get an option, but if so, which rental period would you prefer--a one-year or a monthly lease? Furnished or unfurnished? How many rooms or square metres? Is there a parking garage and will you have to pay extra for a spot? Is there a garden or restrictions on its use?
Location: Prioritise what's important to you. Are there schools, shops and public transport nearby? What's the distance to work? Are there sufficient cultural and sporting facilities in the vicinity? Is the area prone to flooding or fog? How's the crime rate?
When you visit the property check the following: the condition of the building's exterior. Are external doors secure and has the property ever been burgled or damaged? Are the locks of good quality? Are repairs needed? Do the appliances work and is the heating functioning correctly? What are the neighbours like?
Insurance: Make sure all your personal belongings are adequately insured and include third-party liability insurance for renters.
Utility bills: You'll be expected to settle most bills directly. If this isn't possible due to a communal heating system, the landlord will invoice an on-account amount.
Service charges: If the property is in a block of flats or is a serviced apartment, there may be...
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