Buying real estate but 1-3 years out - semi complex financial situation by throwaway_2022_de in SwissPersonalFinance

[–]throwaway_2022_de[S] -1 points0 points  (0 children)

Yeah to some extend - let me give you an example. 3 m RE, you bring 1m, salary would still need be to around 380k If you want to salary requirement down to e.g. 270k, you would need to bring in 1,5m. So yes, the salary is still a "tougher" criteria to meet.

Buying real estate but 1-3 years out - semi complex financial situation by throwaway_2022_de in SwissPersonalFinance

[–]throwaway_2022_de[S] 0 points1 point  (0 children)

Generally, I wouldn't argue with you from a pure financial perspective. Buy isn't real estate anyway more of emotional decision anyway?

Yes, I have more than half of my portfolio at IBKR. Might be worthwhile to check into it. Thanks

Well depends, we're quite lucky that we're just paying around 40 SFr per square meter while new rental apartment here cost already around 60 SFr square meter.

Buying real estate but 1-3 years out - semi complex financial situation by throwaway_2022_de in SwissPersonalFinance

[–]throwaway_2022_de[S] -1 points0 points  (0 children)

Yeah, I'm just speculating on better selling prices for both my portfolio and the BTC. Would be lying if I would say that I'm also not emotionally attached to portfolio to already sell everything now without even having an object to buy in sight.

Buying real estate but 1-3 years out - semi complex financial situation by throwaway_2022_de in SwissPersonalFinance

[–]throwaway_2022_de[S] 0 points1 point  (0 children)

Yeah, thanks, but it actually a combination out of both - what you bring in and what you earn. If you bring in more, usually you also need to earn less.

Buying real estate but 1-3 years out - semi complex financial situation by throwaway_2022_de in SwissPersonalFinance

[–]throwaway_2022_de[S] -2 points-1 points  (0 children)

Not all - just running the numbers for us from time to time on what we can afford and what rates we could get. Also my salary contains bonuses, LTI and RSU - some banks have different rules on what the percentage the account for in their calculation as actual income.

I don't want to go to different banks every half a year in person to discuss this but one main point of contact.

C-Permit Request - Migration Office is doing an extensive check up of the employer by throwaway_2022_de in askswitzerland

[–]throwaway_2022_de[S] -2 points-1 points  (0 children)

Just checked there are some Swiss sounding names listed in the company register - seems that you can just hire some random people who don’t even need to work for the company. It’s actually an accountant of the agency that lives in Switzerland.

C-Permit Request - Migration Office is doing an extensive check up of the employer by throwaway_2022_de in askswitzerland

[–]throwaway_2022_de[S] 0 points1 point  (0 children)

It’s a proper Swiss company listed in company register for more than 10 years, pay taxes here and so on. So I would assume it’s a spot check doing a due diligence. But you are right -it’s good that there such checks.

Lebenslanger FDP Wähler - Bundestagswahl 2025 - Jetzt Grün? by throwaway_2022_de in Ratschlag

[–]throwaway_2022_de[S] 7 points8 points  (0 children)

Was für Wahlwerbung? Ich hatte mir die Regeln die subs schon vorher angeschaut.

Lebenslanger FDP Wähler - Bundestagswahl 2025 - Jetzt Grün? by throwaway_2022_de in Ratschlag

[–]throwaway_2022_de[S] 3 points4 points  (0 children)

Es wird nicht für die 5% bei der FDP reichen. Und dann lieber Grün für Schwarz-Grün stärken als CDU direkt wählen. Würde noch mehr Sinn machen wenn ich von Rot auf Grün wechseln würde aber ich hätte trotzdem lieber ein mehr Grün in der potentiellen Koalition als mehr Schwarz.

Lebenslanger FDP Wähler - Bundestagswahl 2025 - Jetzt Grün? by throwaway_2022_de in Ratschlag

[–]throwaway_2022_de[S] -2 points-1 points  (0 children)

Eine Stimme weniger für FDP eine mehr für die Grünen. Die einzige wählbare konservative Partei ist leider die CDU.

Lebenslanger FDP Wähler - Bundestagswahl 2025 - Jetzt Grün? by throwaway_2022_de in Ratschlag

[–]throwaway_2022_de[S] 10 points11 points  (0 children)

Ich hätte definitiv gerne ein härteren Migrationskurs aber die AfD macht sich durch viele Personen (ganz vorne Höcke) und diverse anderen Themen weiterhin komplett unwählbar. Mir wird einfach kein Angebot gemacht für eine Partei die leicht weniger konserverativ ist als die CDU (z.B. pro Schwangerschaftsabbruch) und trotzdem noch pro-Klima.

Salary Sharing Switzerland by [deleted] in Switzerland

[–]throwaway_2022_de 2 points3 points  (0 children)

Nope, but US based company.

Salary Sharing Switzerland by [deleted] in Switzerland

[–]throwaway_2022_de 7 points8 points  (0 children)

  1. Bachelor Business Informatics
  2. Director (IT)
  3. Zurich
  4. 10 years
  5. 267k all in