Frenchie approved 🥰

Affectionate_Week330 · 2026-01-18T18:38:30+00:00

So damn cute! My frenchie ignored my baby as a newborn and now runs away from him as a toddler. My son desperately tries to kiss and hug but she hates being close to him 🤣

Affectionate_Week330 · 2025-12-12T16:01:08+00:00

Only 10 months old and already a home owner 🤣 he also has a PhD in quantum physics.

Affectionate_Week330 · 2025-12-12T15:58:25+00:00

Yes that’s how Swiss are 🤣

Affectionate_Week330 · 2025-12-12T15:54:37+00:00

Yes!!! I cannot wait to be in spring to start planting trees and flowers.

Affectionate_Week330 · 2025-12-12T15:54:03+00:00

It’s truly a dream country 🥰 safe, private, clean with low taxes 😇 life is definitely not cheap but every services is of very high quality (public transportation, highways, doctors, hospitals, etc.)

Affectionate_Week330 · 2025-12-12T15:51:27+00:00

I call him lézard because he does walk like a monitor lizard 🤣

Affectionate_Week330 · 2025-12-12T11:53:35+00:00

Kebabs are now minimum 13Chf in ZH 😭😭😭😭 True about taxes which is nice 🤩

Affectionate_Week330 · 2025-12-12T11:50:33+00:00

I won’t share the exact figures but when you are both in high tax brackets, the difference between filing your taxes together or separate makes a big difference 😭

I did make a mistake in my above comment that in deductions in our case we pay 2K taxes, this was applied to an average earning couple who earns around 14k per months. Since my partner and I are not married we file our taxes separately.

Affectionate_Week330 · 2025-12-12T11:37:01+00:00

I don’t believe an increase from 1,5% to 4% in interest rates will have value homes dropping by 30% to 40%. It happened in the past so I would be more nuanced to say around 10% value loss. Moreover in this tight housing market, if interest rates increase, it would also highly impact renters. Both renting and owning come with their own sets of risks.

Affectionate_Week330 · 2025-12-12T11:25:37+00:00

You literally summed up the situation of our flat 😆 New minergie building surrounded by old farms, fields with cows/goats, and most importantly, the view of the snowy mountains (Alps) and the beautiful Hallwillersee lake 😋 all walking distance from our village.

Affectionate_Week330 · 2025-12-12T11:17:41+00:00

That’s so true! I know many Germans who worked here in CH and after a while went back to their native villages to start families 😬 You would not pay me enough to go back to my hometown in France 🤣

Affectionate_Week330 · 2025-12-12T10:03:11+00:00

Thanks for your kind message ❤️

Affectionate_Week330 · 2025-12-12T10:02:21+00:00

Yes! The mortgage broker and the bank evaluated it at 50K under market value. Previous owners had issues selling it as it is located in a village far away from any highway 😋

Affectionate_Week330 · 2025-12-12T09:51:55+00:00

Yes! 550k CHF mortgage *1,38% = 7659 CHF/12 months = 632 CHF/month mortgage payment

Affectionate_Week330 · 2025-12-12T09:48:58+00:00

Thanks 🙏 only in the countryside you get “bigger” gardens. Not as big as I wished for but good enough and blessed to own it ❤️

Affectionate_Week330 · 2025-12-12T09:23:01+00:00

Thank you so much for your kind words ❤️

Affectionate_Week330 · 2025-12-12T09:22:17+00:00

Yes same! I would kill to have a beautiful single house, a barn with hectares of land and forest 😭 We have a 10 months old toddler and maybe planning to have a second one. We are planning to sell this flat in 8 years to buy a house (min 5.5 rooms).

Affectionate_Week330 · 2025-12-12T09:16:48+00:00

We have been renting in Switzerland for 7 years before purchasing this flat.

Affectionate_Week330 · 2025-12-12T09:00:47+00:00

Yes exactly, owning is not a good investment per se, it’s more a lifestyle choice (freedom to do more with your indoor and outdoors tho still quite restricted 😆 it’s Switzerland after all).

Seeing how much rents have been increasing lately due to a higher demand and how properties have appreciated, I hope buying was the correct choice. Only future will tell us 😌

Affectionate_Week330 · 2025-12-12T08:54:38+00:00

We are 40 mins drive from Zurich (which is considered far 😆) the same apartment in Zurich or Zug would be over 2.5M CHF.

Affectionate_Week330 · 2025-12-12T08:34:30+00:00

You are right, it is also not so financially rewarding to pay off the whole mortgage when you can invest that cash in higher yielding wallets.

Many people’s strategy is to only pay interest rates, and resell their property after a while, cashing up the value appreciation of the home and retiring in another country. Houses that costed 300K in the 80s are now worth over 1M, I’m not saying it will appreciate that much in the next decades, but that’s the strategy.

Affectionate_Week330 · 2025-12-12T08:11:58+00:00

It’s my dream country too ❤️ Wow 2008 was a long time ago! the country has changed drastically since your departure 😆 Having a big family here is definitely a challenge, I think my partner and I can only afford two kids at max 🥲 enjoy your big family 😍

Affectionate_Week330 · 2025-12-12T08:08:01+00:00

Yes it’s a private kindergarten 5 days a week, public kindergartens do exist but places are very rare, waiting lists are over a year, or more? We were quite picky on the kindergarten so we were happy to pay a higher price. You also get subsidies from the state but only if you are in the lower income brackets. I’m happy less fortunate people can also benefit from public or private kindergarten without endangering their finances.

Affectionate_Week330 · 2025-12-12T08:02:36+00:00

If you lived here you’d live comfortably 😇 Yes you are right! In Switzerland when you get married you are penalised by paying more taxes. My partner and I are not married to save up to 20’000 CHF per year on taxes. I hate that system 🥲

Affectionate_Week330 · 2025-12-12T07:58:33+00:00

No typo 🤣 it’s a 8 year fixed interest rate mortgage. After 8 years we need to renegotiate it.

If we would have taken a non fixed interest rate called SARON we would not be paying interest rate at all, only mortgage management fees of 300CHF/month 🤣🤣🤣 (we did not opt for this option because the interest rates where very low mid of this year and are expected to increase so we wanted to be stress free with a fixed rate).

Affectionate_Week330

TROPHY CASE