This is precisely why the selling price is so crucial. If you still have a high mortgage on your apartment, a better selling price can significantly increase your financial flexibility for your new home.
Why every franc counts when selling
If you bought your apartment only a few years ago, you often still have a high mortgage. A higher selling price therefore has a direct impact on your available equity. 100,000 francs more from the sale can make the difference between the house you want – and the house you can afford.
The most common mistake: misjudging the selling price
You cannot reliably value a property based on a gut feeling. If you set the price too low, you may be giving away significant wealth. If you set it too high, you risk a difficult sales process. It is also worth taking a close look when choosing an estate agent: not every agent is equally well-suited for every property and every region.
Additional pitfalls when buying a new home
Anyone selling their own apartment while simultaneously looking for a new home faces additional time and decision-making pressure.
The pressure to sell:
If the sale of your apartment is a prerequisite for financing your new home, your negotiating position weakens. This makes it all the more important to plan the sale early and avoid getting caught under time pressure.
The tax risk:
Those who reinvest the proceeds from a sale into a replacement property for their own use may, under certain conditions, benefit from a deferral of capital gains tax. Renting out the property in the interim can affect these conditions. The tax implications should therefore be reviewed before the sale.
The time pressure for expats:
The situation is similar for expats who buy an apartment during their assignment in Switzerland. When the expat assignment ends and a move abroad is on the horizon, the apartment often needs to be sold within a short timeframe. This is exactly when time pressure becomes a problem: those who have to sell quickly have less room for maneuver regarding price and negotiations. Early preparation and a systematic sales process help to avoid this disadvantage.
Sell like the pros
The crucial point is not to find just any agent as quickly as possible. What matters is a systematic sales process with a reliable pricing basis and an agent who is a good fit for both the property and the region.
Bestag makes this exact approach available to private owners.
A reliable pricing basis:
Bestag combines two hedonic valuations from IAZI and Wüest Partner with the assessments of three specialized local agents. This creates a much broader picture of the market value than a single valuation alone.
The right local agents:
Bestag analyzes active real estate agents in the market based on 15 criteria to identify the three most suitable candidates for your property.
A performance-based brokerage agreement:
At Bestag, the agent's commission is tied to their performance. The bonus-malus principle creates an additional incentive to achieve the best possible selling price.
