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.

Switzerland has a unique real estate market in many aspects. Compared to other countries, there are specific rules and peculiarities that strongly influence the purchase and ownership of real estate, especially for expats and people with a residence permit. In this article, we take a closer look at these differences and explain how the real estate market works in Switzerland.