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How to become owner

OWNERSHIP

life in our society often takes place as follows: A
twenty years, we earn little and spend a lot. We want to enjoy life, travel, etc.. A
thirty years, we started a family, children are born and we need space. We must move. At this point it would be ideal to buy an apartment or a house ... But the means are lacking. Either because they did not think to save as a youngster, either because they could not afford to do so. In addition, women (sometimes men) is dedicated to the education of children and decreases or stops work, hence less income. Towards
forty-five years, the children are grown and want to be independent. The wife wishes to resume a professional activity. A promotion was able to increase revenues. It is therefore realistic to be able to buy an apartment or house. But we wanted to enjoy it before ...

It is therefore very important to identify its objectives as soon as possible and ask the following questions:
is what I want to own?
when?
with what means?
what should I do to afford it?

Once these objectives, we must study how to achieve them. Most new owners do not have enough money to buy an apartment or a villa by paying the entire purchase. We can borrow from a bank, insurance or his pension fund (second pillar). It should nevertheless be generally 20% equity to a minimum. We can build capital through money in a bank account in the medium term which unfortunately hardly compensates for the increased cost of living (int. 1.00 to 1.50%-withholding tax) or by purchasing a life insurance or other a third pillar fund-linked investments.

All life insurance companies guarantee a minimum interest (2%) by cons, few have put your money into stocks and bonds, let alone you restore all of your shares through the capital guarantee at maturity. The products I offer and meet the above conditions are products have in shares, the average yield from the last eight years is more than 5% (3 years - 4%), while most other products have shares in the Swiss market offer a product surpluses whose average yield is equal to 3.25%.

The purpose of savings is:

Establish a capital with a free life insurance (3) or bound (3b). During a period agreed by contract.

For life insurance free, we can available at all times of its capital.

For insurance linked life, we can dispose of his capital from five years before the age of the AVS. However, we can have at any time:
to buy a house or apartment as a primary residence to pay off a mortgage

in other cases provided by law.

Deadline
capital guaranteed termination, plus any surplus (profit sharing).

Taxes

'bonuses linked life insurance (called third pillar) are deductible from earned income:
with pension fund deduction limit 6,365 .-
francs a year without a pension fund, 20% of account balance "write off", but maximum deductible 31'824 .- francs per year.
The payment of principal of a third pillar is taxable in accordance with cantonal and federal authorities.
free For life insurance (3rd pillar B) premiums are not deductible unless the income package (eg, Canton FR, GE) and the payment of principal at maturity is not taxed.

By cons, it will, sometimes heavily, in case of death, except to call me at 079,279 in February 1941 so I can show you the best solution to help prevent this from happening!
Protection

In case of death of the person insured, a death benefit is paid. There are different possible yields and blankets. Ask before doing anything , you'll be glad. I am available from 1:00 p.m. to 9:00 p.m. Monday and Tuesday to Friday from 9:00 a.m. to 9:00 p.m. at 079 957 0664 for additional information FREE and without obligation.

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Checklist for a credit application

CHECKLIST : Documents needed to apply for credit

Information on / the borrower / s


Name and address Phone number private / mobile / prof.
Email
Birthday
Nationality (copy of identity card and residence permit)
Marital status and marital regime
Occupation, title / position
Employer and hiring date
Gross Annual (last salary certificate most current pay stubs)
last tax return
household budget (to the extent it was established)
Position available capital (bank statements, insurance policies life insurance certificates of the provident fund, etc ...)
For the self: balance sheet and income statement for the last three years
balance of debts (loans, leases, etc. ...)
Current extract from the register office's prosecution



Information about the object

Purchase Agreement or abstract of title
Location map and plan Cadastral
Building plans, plots and plans of fronts
Volume Calculation and the formal living area
Value property insurance
Photographs of the building (interior and exterior)
Evaluation of market value (if available)
In addition to new construction and alterations: technical specifications, estimate , general contractors
In addition to housing condominiums: act of incorporation of the condominium, and regulations governing the use of managers
In addition to the property subject to the right size: contract area



Luke Oberson, specialist dipl. Finance and Welfare Info: 079 957 0664

Cartier Quartz Swiss 20-61323 Watch

Financing / equity

Real Estate Financing / Equity

The mortgage amount typically covers 75 to 80% of the value or purchase price of the property. 20 to 25% are missing at your expense, have equity.
To these are added the costs of ownership transfer tax (municipal, cantonal, notary fees), between 4 and 5% depending on cantons.Certains financial institutions proposing to add the cost of transferring the purchase price and to have 20% of the total. It is an alternative when you do not have enough capital, but this is not the best rate marché.Pour construction, generally, banks include transfer costs of land in the total cost.

Equity may consist of:



Cash savings available on current account, savings account or cash. On savings accounts, a monthly withdrawal limit is set, in principle 10'000 .-, I suggest you quickly make your withdrawals if not you may pay a surcharge.

Titles
Sale or pledge of securities (stocks, bonds, units of investment funds, ...)


Financing with the help of the 2nd pillar
Ordinance on encouraging home ownership ( OEPL) authorizes you to use your 2nd pillar capital to finance your home. You have two options: either you remove or put you pledge capital available from your pension fund. Talk to your pension fund for the exact amount of capital available for your second pillar.

If payment Early
Creating equity through early payment of your second pillar In this case, you have your pension fund to pay your available capital, which will direct you to complete your personal contribution to equity. The share paid to you must be declared. This causes a deficiency in foresight that you must be able to compensate by using a solution of private provision . The taxes you pay on the amount payable will be calculated regardless of your income and can not be paid with the amount withdrawn. This means that separate amount must be provided for this purpose. These taxes can represent up to 17% of the amount levied (Swiss average 10%) by borough, the township and the importance of the sum. The amount levied also included in the land register. You have to book well in advance: as pension funds, the time required for payment of money may be several months.


Upon withdrawal of the benefit vested (possible)
Spousal consent is required.
The minimum withdrawal is 20'000 .- and that all 5. If your credit is less than 20'000 .- It is possible under certain pension funds, to pay the difference to withdraw the minimum amount.
A statement entered in the land register.
A tax is levied.
If you sell your property, the advance payment must be repaid, and taxes are refunded if the application is filed within 3 years.

In case of pledge (recommended)
Spousal consent is required.
A statement entered in the land register.


Policyholders aged over 50 can obtain a maximum the vested benefits to which he was entitled at the age of 50 years or half the vested benefits to which they are entitled at the time of payment.


Financing with the help of the third pillar

A police pension established under the third pillar can also be valuable for the purchase of a property. Provident Capital formed may be used in this case in two ways: you withdraw the amount that you lack to cover your capital needs. Or you put this amount pledged to get a mortgage more high.

Provident Capital Pillar 3: advance payment or pledge?

Creating equity through early payment of pillar 3a ( possible). You can withdraw prematurely
money paid for your pillar 3a to buy a house staff. This is possible every five years. Capital debited from your pillar 3a must be declared. Complete
its own funds through a pledge ( recommended).
You can pledge your life insurance 3a to obtain a mortgage more high. It also allows you to obtain financing amounting to more than 80% of the purchase price.

The advantage for you: you let your money work for you, without paying taxes. Possible with a police general who has a favorable interest rate and attractive investment opportunities and guaranteed through the selection of funds which come from the largest banks and institutional investment funds in Switzerland and Europe ( Luxembourg, Liechtenstein ..)


Loan near
To avoid future conflict, it is essential to prepare a written contract. The duration and rate of interest on the loan should be included. This rate may be lower than those in force.
Interest is tax deductible just like mortgage interest. He who gives the loan must add the interest to his income imposables.Autre option often overlooked: a loan granted by the employer


Increase in mortgage debt of a close
A friend already owns and has an amortized part of its debt. We can increase the loan and get the cash available for your money own, without this third person is injured, however. You are responsible to pay additional interest.
The lender will indicate on its tax return an extra income (payments) and may deduct all the interest, so we balance the income tax. As for capital, debt is more important then the taxes will be reduced.


Building land and personal work
As part of a structure, you use two ways to obtain additional funds propres.Le Land of which you are already owner by purchase, gift, inheritance or other advance. The purchase price or market value of the said land will be retained as a fund propres.Les personal work done in your home.


Tips and strategies
You have more than 20% of the equity and invest it you want your property to reduce debt and mortgage interest.
If mortgage interest rates are high, it's a good reason. Currently (2005), rates are historically low. By reducing the debt, you reduce the interest as described above. Consequently, the rental value will be greater than interest expense, so your taxes augmenteront.La strategy to adopt is to maintain a maximum debt to deduct more interest from your taxable income, which diminura your taxes, your taxes! . The extra capital will be invested in a guaranteed return could be lower mortgage rate. Eventually, compound interest investment will cover the interest expense of increasing debt.

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Insurance to contract for future owners

DURING CONSTRUCTION

- insurance construction for causing damage loss of principal invested

- liability insurance of the owner against damage caused by demolition, construction or alteration of a building

- legal protection in conflict and confrontation in areas such as the right to property, neighborhood, labor, contracts, insurance ....

AFTER CONSTRUCTION

- household contents insurance for all properties owned by the insured. Supports all the financial consequences of fire, water damage, cheap ..

- building things for insurance against damage caused by fire, lightning, explosion, any natural event (only in Switzerland: Generali supports or damage caused by earthquakes)


- liability insurance building

- private liability insurance

- legal protection

- Life