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.

For many international professionals in Switzerland, income is not necessarily tied to the Swiss franc. Whether salary payments are in euros, US dollars or British pounds – those who draw their income in a foreign currency but want to finance property in Switzerland face special challenges with calculation and credit approval.