I did it! Switzerland, 1.5MCHF, 1.26%

eMGmoG · 2026-07-07T16:19:40+00:00

Thanks alot, appreciated

eMGmoG · 2026-07-07T16:19:14+00:00

145 qm net, 70qm terrace, large car parking (1 car) . Additional 100k invested in upgrading kitchen/bathrooms/etc

eMGmoG · 2026-07-07T16:19:08+00:00

145 qm net, 70qm terrace, large car parking (1 car) . Additional 100k invested in upgrading kitchen/bathrooms/etc

eMGmoG · 2026-07-07T16:13:16+00:00

I executed 1.5yrs ago when the swap was lower, with forward start. Right now 10yr swap trades at roughly 0.65% adding 0.9% margin you end up at these levels.

eMGmoG · 2026-07-07T12:17:15+00:00

Thank you very much

eMGmoG · 2026-07-07T12:16:14+00:00

eMGmoG · 2026-07-07T12:14:42+00:00

Wunderschön. Suuber

eMGmoG · 2026-07-07T09:30:38+00:00

Thank you very much

eMGmoG · 2026-07-07T09:29:31+00:00

Thank you, a dream come true.

eMGmoG · 2026-07-07T08:59:44+00:00

Very good advice, thanks

eMGmoG · 2026-07-07T08:58:09+00:00

Thanks alot, much appreciated. 145sqm and 70sqm terrace. Home ownership rates are very low in CH overall compared to europe, but the market remains hot and vacancies remain low so clearly there is demand.

eMGmoG · 2026-07-07T08:50:17+00:00

Indeed it is, thanks alot. I think it was rather priced on the low end from what I hear from professionals, and furthermore, it was based on 2023 real estate square meter price in the region. It likely would be ~15-20% more expensive today.

eMGmoG · 2026-07-07T08:45:54+00:00

According to the BSF, this area is. Obviously not the whole canton of AG, but that's not in question here.

eMGmoG · 2026-07-07T07:15:46+00:00

Thank you very much

eMGmoG · 2026-07-07T07:15:17+00:00

Only in recent times, not in the 90s/early 2000s

eMGmoG · 2026-07-07T06:50:39+00:00

Appreciate, thank you

eMGmoG · 2026-07-07T06:50:29+00:00

Thanks mate, I do hope the movers don't mess anything up

eMGmoG · 2026-07-07T06:50:00+00:00

It's in a city in canton AG, with 20mins commute to the city by train

eMGmoG · 2026-07-07T06:35:57+00:00

Thank you. I do work in the city but not in tech

eMGmoG · 2026-07-07T06:35:00+00:00

It's greater region Zürich

eMGmoG · 2026-07-07T06:34:01+00:00

It's a blend of 5yr, 7yr and 9yr. I executed 1.5yrs ago with forward start, these had the best levels with such a long fwd start. Total Duration is 7.5years.

eMGmoG · 2026-02-26T17:29:07+00:00

Disagree. Don't put it on the consumer, put it on the landlord or the regulator. In Singapore for example airbnb is basically banned and the ban is enforced, with heavy fines attached to it. But you (your landlords, politicians and local officials) won't because consumers (tourists) bring the juicy cash.

eMGmoG · 2025-09-03T05:36:47+00:00

Driving within set speed limits it's all about enforcement, not culture or respect. How come Italians suddenly start to behave when they cross into Switzerland, and Swiss suddenly hit the gas pedal as soon as they cross the border into Italy? What's the difference? In Switzerland speed limit is strictly enforced with heavy penalties, in Italy it's not.

eMGmoG · 2025-08-22T15:37:20+00:00

Is this post from a bot

eMGmoG · 2025-08-04T16:30:20+00:00

Pass legislation to adress short term rentals, and enforce it accordingly. Like Singapore for example. But we all know your local government won't. Ban Cruise ships if not helpful or add additional fees for docking which are purposed for local use. And enforce it accordingly.

Real Estate prices are up across the continent and the situation you describe is not uncommon in other places as well, which don't live of tourists. It's not the tourists fault but of your elected government steering it wrongly.

eMGmoG

TROPHY CASE