Best Mortgage Lawyers in Switzerland

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Rechts Service

Rechts Service

Basel, Switzerland

Founded in 2020
10 people in their team
RS Rechtsservice AGbusiness philosophyThe concerns and interests of our customers are at the center of our service (law as a service). With our...
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NEOVIUS

NEOVIUS

Basel, Switzerland

Founded in 1972
50 people in their team
ABOUT USNEOVIUS is a dynamic, medium-sized law firm in Basel, the beginnings of which date back to 1972. We advise and litigate in private and public...
Romansh
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MLL Legal

MLL Legal

Geneva, Switzerland

Founded in 2012
500 people in their team
International Family Day 2023: Q&A with partner and mother of three Cosima Trabichet-CastanCosima Trabichet-Castan has been with MLL Legal since...
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Kanzlei im Turm AG

Kanzlei im Turm AG

Winterthur, Switzerland

Founded in 1998
50 people in their team
Does your case require team work of several specialists? Or do you prefer exclusive contact with but one of our partners? What is the best approach...
Romansh
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Baker & McKenzie

Baker & McKenzie

Zurich, Switzerland

Founded in 1949
10,000 people in their team
Baker McKenzie advised ClinChoice Medical Development on the acquisition of CROMSOURCE S.r.l., an ISO-certified, full-service contract research...
Romansh
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ADHOC

ADHOC

Geneva, Switzerland

Founded in 2021
10 people in their team
ABOUT ADHOCAdHoc Avocats is a site founded by Maître Damien Ledermann, Maître Constance Esquivel and Maître Raphaël Zouzout. Registered at the...
Romansh
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Walder Wyss

Walder Wyss

Basel, Switzerland

Founded in 1972
500 people in their team
OverviewWalder Wyss is one of the most successful and fastest growing Swiss commercial law firms. We specialize in corporate and commercial law,...
Romansh
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Advokatur Kunz

Advokatur Kunz

Basel, Switzerland

Founded in 1995
50 people in their team
We are an office community consisting of three male and two female lawyers. We advise you personally, comprehensively and interdisciplinary.We...
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Lenz & Staehelin

Lenz & Staehelin

Zurich, Switzerland

Founded in 1917
500 people in their team
While Lenz & Staehelin is acknowledged by most as Switzerland’s leading law firm, its connections and expertise span the globe. With over 200...
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Schaub Hochl Rechtsanwälte AG

Schaub Hochl Rechtsanwälte AG

Winterthur, Switzerland

Founded in 2017
50 people in their team
Your law firm in WinterthurSchaub Hochl Attorneys AG is an established and well integrated law firm in Winterthur. We provide a comprehensive range...
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AS SEEN ON

About Mortgage Law in Switzerland

Mortgage law in Switzerland governs the legal rights and obligations related to mortgages, which are commonly used to finance real estate purchases. In Switzerland, a mortgage is a loan secured by a property, and failure to repay the loan can result in the property being sold to cover the debt.

Why You May Need a Lawyer

You may need a lawyer for mortgage-related issues such as drafting or reviewing mortgage agreements, resolving disputes with lenders, understanding your rights as a borrower, and navigating foreclosure proceedings. A lawyer can provide crucial legal advice and representation to protect your interests.

Local Laws Overview

Key aspects of mortgage law in Switzerland include the requirement for a mortgage deed, the prohibition of interest-only mortgages, the enforcement of debt through foreclosure sales, and the option for borrowers to convert their mortgage into a fixed-rate mortgage. It is important to understand these laws to ensure compliance and protect your rights.

Frequently Asked Questions

1. Can a foreigner get a mortgage in Switzerland?

Yes, foreigners can typically obtain mortgages in Switzerland, but there may be stricter requirements compared to Swiss residents.

2. What is the typical down payment for a mortgage in Switzerland?

Generally, a down payment of 20% of the property's purchase price is common in Switzerland.

3. Can I pay off my mortgage early in Switzerland?

Yes, borrowers in Switzerland can usually repay their mortgage early, but there may be penalties involved.

4. How is mortgage interest calculated in Switzerland?

Mortgage interest rates in Switzerland are typically calculated based on the LIBOR rate plus a margin determined by the lender.

5. What happens if I default on my mortgage payments in Switzerland?

If you default on your mortgage payments, the lender may initiate foreclosure proceedings to recover the debt by selling the property.

6. Can I negotiate the terms of my mortgage in Switzerland?

Yes, borrowers in Switzerland can negotiate the terms of their mortgage with the lender, such as the interest rate and repayment schedule.

7. What are the costs associated with getting a mortgage in Switzerland?

Costs associated with getting a mortgage in Switzerland may include fees for the mortgage deed, appraisal, and loan processing.

8. Are there any government programs for mortgage assistance in Switzerland?

There are no specific government programs for mortgage assistance in Switzerland, but some cantons may offer financial aid for homebuyers.

9. Can I refinance my mortgage in Switzerland?

Yes, borrowers in Switzerland can refinance their mortgage to take advantage of lower interest rates or change the terms of the loan.

10. How long does it take to process a mortgage in Switzerland?

The time it takes to process a mortgage in Switzerland varies, but it typically ranges from a few weeks to a few months depending on the lender and the complexity of the transaction.

Additional Resources

For more information on mortgage law in Switzerland, you can consult the Swiss Financial Market Supervisory Authority (FINMA), the Swiss Bar Association, and local legal aid organizations.

Next Steps

If you require legal assistance with a mortgage issue in Switzerland, it is advisable to consult with a qualified mortgage lawyer who can assess your situation, provide tailored advice, and represent your interests in negotiations or legal proceedings.

Disclaimer:
The information provided on this page is intended for informational purposes only and should not be construed as legal advice. While we strive to present accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or currentness of the content. Laws and regulations can change frequently, and interpretations of the law can vary. Therefore, you should consult with qualified legal professionals for specific advice tailored to your situation. We disclaim all liability for actions you take or fail to take based on any content on this page. If you find any information to be incorrect or outdated, please contact us, and we will make efforts to rectify it.