Inform
You will find the most important topics around purchase, financing, development and investment explained clearly.
Real estate guide Switzerland
Understand real estate. Plan your home. Build your future.
VEEDU is aimed especially at the Tamil community in Switzerland, who want to understand real estate better and prepare their next steps well.
Whether Buying, Owning, Developing or Investing – we explain the important real estate topics simply, in a structured way and without complicated banking jargon.
Choose your topic
Where are you right now?
VEEDU guides you to the information that fits your situation.
First home
You want to buy for the first time and understand budget, equity, affordability and mortgage.
Prepare a first purchaseHomeowner
You already own a property and want to know what options you have.
See your optionsRenovate
You are planning kitchen, bathroom, WC, roof, façade, conversion or larger works.
Plan a renovationInvest further
You want to check whether an additional property or an investment property is possible.
Check the yieldTaxes
You want to understand imputed rental value, maintenance, debt interest, rental income and property gains tax.
Understand taxesKnowledge
Terms like land register, mortgage certificate, first rank, easement and amortisation explained simply.
Real estate knowledgeCalculators
A first orientation on affordability, equity, mortgage increase and investment property.
Open the calculatorsAdvice
You would like to have your situation assessed personally.
Start an enquiryVEEDU offers orientation and knowledge. The content does not replace an individual bank review, financing commitment, legal advice or tax advice.
A well-practised process
Calculate
With the calculators for budget, affordability and equity you get a first orientation.
Assess
You describe your plan and recognise which questions should be clarified next.
Move forward
We show you which areas of expertise may become relevant.
Free checklist
Free: financing checklist
Prepare the key documents for the financing review in a clear structure. The printable checklist guides you through personal documents, equity and property documents.
- Personal documents, equity and property documents at a glance
- Practical fields for your name, property, date and notes
- Bilingual in German and Tamil
Calculators
Calculate budget, affordability and equity.
The calculators are simple orientation aids. They do not replace a bank review or a financing commitment.
1. Budget calculator
Which purchase price roughly fits the available income capacity?
The result appears here.
2. Equity calculator
Shows the requirement when the lending value differs from the purchase price.
The result appears here.
3. Affordability calculator
Calculates with imputed interest, maintenance and amortisation.
The result appears here.
4. Mortgage increase calculator
Compares loan-to-value headroom and simplified affordability.
The result appears here.
5. Refinancing calculator
Compares interest costs and shows the payback period of the switching costs.
The result appears here.
6. Renovation financing calculator
Splits project costs into own funds and additional financing needs.
The result appears here.
7. Investment property calculator
Calculates net income, yields and a simplified capitalised value.
The result appears here.
Assumptions for orientation: 5 % imputed interest rate, 1 % maintenance and ancillary costs, amortisation of the portion above roughly two thirds within 15 years, and a burden limit of about one third of gross income. Banks may use other approaches, property limits and additional criteria.
Taxes
Understand taxes
Property taxes explained clearly.
Imputed rental value with the reform from 2029, debt interest, maintenance, rental income and property gains tax – explained for orientation, not tax advice.
Do you have a concrete project?
Describe your plan and choose where you need our orientation next.