Transferring homeownership within a family is a significant step both emotionally and financially. Whether through an advance inheritance, a gift, or a sale: anyone taking over a property from their parents faces a wide range of legal, tax, and financing questions. One key issue is how to handle the existing mortgage. Can it be taken over, or does a new one need to be arranged?

The dream of homeownership begins with solid financing. But one of the most important questions for prospective buyers is: How much equity is required to purchase a property? In Switzerland, there are clear regulations on equity requirements, which determine how large the necessary mortgage will be, what financing options are available, and whether the affordability of the mortgage is ensured.