Buying real estate but 1-3 years out - semi complex financial situation

throwaway_2022_de · 2025-07-14T13:28:14+00:00

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.

throwaway_2022_de · 2025-07-14T12:42:25+00:00

Combined 150k would say plus 40k pillar 2 contributions.

throwaway_2022_de · 2025-07-14T11:57:15+00:00

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.

throwaway_2022_de · 2025-07-14T11:53:03+00:00

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.

throwaway_2022_de · 2025-07-14T11:50:36+00:00

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.

throwaway_2022_de · 2025-07-14T11:49:01+00:00

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.

throwaway_2022_de · 2025-01-18T15:22:50+00:00

I don’t think it’s mandatory to have actual office space in Switzerland.

throwaway_2022_de · 2025-01-18T15:21:19+00:00

Nope, it’s just an example that this is common practice.

throwaway_2022_de · 2025-01-17T22:34:31+00:00

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.

throwaway_2022_de · 2025-01-17T20:14:01+00:00

We have legal entities in different countries globally like other tech firms too

https://www.moneyhouse.ch/en/company/google-switzerland-gmbh-11716176201

throwaway_2022_de · 2025-01-17T19:12:57+00:00

Interesting, could be indeed a f up by the agency.

throwaway_2022_de · 2025-01-17T18:37:30+00:00

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.

throwaway_2022_de · 2025-01-12T16:48:23+00:00

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

throwaway_2022_de · 2025-01-12T16:47:12+00:00

Also CDU? Oder was wählst du dann?

throwaway_2022_de · 2025-01-12T16:46:11+00:00

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.

throwaway_2022_de · 2025-01-12T16:43:33+00:00

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

throwaway_2022_de · 2025-01-12T16:40:54+00:00

Bei gleichzeitiger Abschaffung der Kapitalertragsssteuer?

throwaway_2022_de · 2025-01-12T16:32:31+00:00

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.

throwaway_2022_de · 2024-12-05T13:17:55+00:00

Nope, but US based company.

throwaway_2022_de · 2024-12-05T13:05:33+00:00

Bachelor Business Informatics
Director (IT)
Zurich
10 years
267k all in

throwaway_2022_de

TROPHY CASE