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Mortgage certificate

We inform - you profit

Close-up of hands holding a black fountain pen while signing documents on a white desk with a red folder visible in the background

If the real estate purchaser needs to take out a mortgage for the purchase, he or she will incur additional Land Registry and notary fees for the preparation of what is known as a Schuldbrief (mortgage certificate).

The mortgage certificate is a form of security for the purchaser’s bank. If the mortgage can no longer be paid at some point, the bank is entitled to foreclose on the property in question.

Amount of the mortgage certificate fee

The fees become payable because the mortgage certificate must be entered into the Land Register. The charges are based on the mortgage debt and can vary between 0.1 % and 0.3 % of this amount.

Available properties

New
Schalchen, Wildberg, Zurich, Switzerland
Space-efficient Flarz-style home in an idyllic location
Price
CHF 1,150,000
~€1,150,000
- 5.5 Rooms
- ~174 m² Living area
- 440 m² Plot surface
Space-efficient Flarz-style home in an idyllic location
AI
AI
AI
AI
Rapperswil-Jona, St. Gallen, Switzerland
Solid construction quality and a high level of living comfort
Price
CHF 1,430,000
~€1,430,000
- 3.5 Rooms
- ~110 m² Living area
Solid construction quality and a high level of living comfort
New
Weiach, Zurich, Switzerland
4.5 rooms & 3 terraces in a prime location
Price
CHF 1,090,000
~€1,090,000
- 4.5 Rooms
- 2 Bathrooms
- ~116 m² Living area
4.5 rooms & 3 terraces in a prime location
AI
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Pratteln, Basel-Landschaft, Switzerland
Family paradise with separate apartment
Price
CHF 1,895,000
~€1,895,000
- 8 Rooms
- 3 Bathrooms
- ~199 m² Living area
- 567 m² Plot surface
Family paradise with separate apartment
Reserved
Baden, Aargau, Switzerland
Ein Badener Original - Selten. Authentisch. Einzigartig.
Price
CHF 2,150,000
~€2,150,000
- 7.5 Rooms
- 3 Bathrooms
- ~170 m² Living area
- 650 m² Plot surface
Ein Badener Original - Selten. Authentisch. Einzigartig.
New
Maur, Zurich, Switzerland
Space for high standards
Price
CHF 2,990,000
~€2,990,000
- 6.5 Rooms
- 3 Bathrooms
- ~198 m² Living area
Space for high standards
New
Volketswil, Zurich, Switzerland
Timeless elegance with a vision for the future
Price
CHF 1,095,000
~€1,095,000
- 3.5 Rooms
- ~103 m² Living area
Timeless elegance with a vision for the future
New
Versoix, Geneva, Switzerland
Villa in Versoix – Steps from the Lake
Price
CHF 2,850,000
~€2,850,000
- 7 Rooms
- 3 Bathrooms
- ~150 m² Living area
- 894 m² Plot surface
Villa in Versoix – Steps from the Lake
New
Brütten, Zurich, Switzerland
Brütten: An attractive opportunity for garden enthusiasts
Price
CHF 1,690,000
~€1,690,000
- 5.5 Rooms
- ~150 m² Living area
Brütten: An attractive opportunity for garden enthusiasts

Who pays the mortgage certificate fee?

The costs of registering the mortgage certificate are borne solely by the purchaser of the property. And so our tip: If a schuldschein (promissory note) already exists, it can be worthwhile to take it over. Both parties should seek an open discussion on this.