As the financing of a second home is risky for the banks, the share of equity can be as high as 40% of the sale price, instead of 20% in the case of a permanent residence. Furthermore, as pension capital cannot be used to finance a second home, it is essential to provide liquidity, either through savings, a bank guarantee, or by increasing the mortgage on your main home. This last solution could have several significant advantages from the point of view of the cost of debt, but also of the taxation involved. Coming back to the idea of raising funds on the main residence, it should be taken int ..read more

Prices for owner-occupied housing increased significantly again in the third quarter of 2021. Buyers of detached houses had to pay 4.4 per cent more than in the previous quarter. The price increase for condominiums was slightly less pronounced (+2.0%). Compared to the third quarter of 2020, the price of single-family homes has increased by 9.7 per cent. Condominiums are trading 7.9 per cent higher than a year ago. The price dynamics in the owner-occupied housing market have clearly intensified once again. Prices are rising significantly in all regions and segments. The price growth of single-f ..read more

We do not want to miss the opportunity to mention the great archaeological discovery of 13 menhirs, lined up in a tight row, hidden from the surface of the world under more than two meters of earth, in our project of villas “Résidence Maigold” in Saint-Leonard. We are proud to have brought to light these traces of our ancestors and to have helped us learn more about these civilisations. An “exceptional” discovery, according to the municipality: already known in Switzerland for its formidable underground lake – formed by the erosion of a gypsum cavity, several tens of thousands of years ago ..read more

Respect for the environment, sustainable development and the reuse of resources are key themes in the philosophy of our supplier PORCELANOSA Grupo. Installing innovative processes and products that respect the environment is a priority for the company and this is in line with the actions of each of the companies that make up the group. The main objective is to reduce the impact of gas emissions, reduce waste and promote the correct use of water resources. With this in mind, the ecoTech concept was created. It is an initiative aimed at transforming basic raw materials into more environmentally ..read more

The mortgage financing requested is determined according to the financial situation of the buyer and the property to be acquired. The bank will analyse the buyer’s solvency (income, debts, etc.). The equity contribution will also vary according to the type of property (luxury object, main residence, second home, etc.). The bank tries to protect itself as much as possible from the risks it takes by granting a mortgage loan: the higher the risk, the greater the demand for equity contributions. In the case of the purchase of a property as a principal residence, the bank will ask for a contributio ..read more

Located in the heart of the charming village of St-Léonard, this magnificent development of individual villas is designed to appeal to families wishing to enjoy village life while being close to the town. The top-of-the-range finishes and materials of these villas have been chosen with quality and respect for the environment as a reference point. These villas benefit from a large living room with open kitchen and a bedroom on the ground floor for the 5.5 room models. Upstairs we have three large bedrooms including a master bedroom with dressing room, bathroom and a balcony facing south for you ..read more

What services do customers look for when they approach a real estate agency? When a client puts himself in the hands of a real estate agent when buying a property, he puts his trust in him in the hope of obtaining a professional and local service. At Elite21, we believe that what differentiates some agencies from others is that we can provide our clients with a series of complementary services that will facilitate the purchasing or investment process they undertake when they enter the property market. These are some of the services that a client may require and with which agencies can compleme ..read more