In addition,
Tenants lookout reference mortgage rate:
Keystone-SDA
Determining for the calculation of rents during lease. Moreover, the reference mortgage rate risks opening the door to reduction requests for the benefit of tenants during its next publication by the Federal Housing Office (OFL) on September 1. Meanwhile, – Tenants lookout reference mortgage rate
(Keystone-ATS) Unchanged in June, this indicator was brought back in early March from 1.75% to 1.50%, already allowing many tenants to present claims for a drop in rent.
It will be necessary for again to varies the reference rate tenants lookout reference mortgage rate of reference applicable to lease contracts – invariably published. Nevertheless, on a quarterly base in quarter of a hundred – that the weighted average rate of mortgage claims granted by banks is established below 1.38% or above 1.63%.
The second scenario is considered highly improbable. In addition, in view of the successive lowering of the rate gradually brought back to zero by the Swiss National Bank (BNS), while it has still risen since March 2024 at 1.50%. Nevertheless, Economists, on the other hand, are rather more inclined to think that the average weighted rate observed at 1.44% in June will be sagged below the fateful threshold of 1.38% three months later.
“It is not yet certain that the average weighted rate will be under this bar in September. Meanwhile, But the reference rate will be lowered to 1.25% at the latest in December. Consequently, “presage Monday in a note Thomas Stucki, head tenants lookout reference mortgage rate of the investment at the Cantonal Bank of Saint-Gall.
Mathematical. delay and sometimes undesirable effect
The reference interest rate has been established since September 2008 for the adaptation of rents throughout Switzerland. Any increase of a quarter of a point allows the lessor to require an increase in rent of 3.0%. provided that it is based on the previous reference rate and not on an older or indexed value on the cost of living, for example. Similarly, tenants can request a reduction in rent of 2.91% in the event of a quarter of a point.
Any increase. downward modification can only come into force at the end of a notice period, generally fixed at three full months. The publication of the reference rate occurring at the start of the month. the rest of the said month should be added to this period.
Following a variation in the reference rate. donors can also pass tenants lookout reference mortgage rate 40% of the inflation officially identified by the consumer price index since the last rent adaptation.
They also have the possibility of transposing the tenants the “increase in their general costs”. In the practice. according to the German Association of Land owners (HEV), the Régies tend to apply a flat rate of 0.5 to 1.0% increase per year.
Online calculation tool
Taking into account in the calculation of “inflation”. “general costs” variables can moderate the magnitude of the hoped -for rent, or even in some cases lead to an increase. The Association of Tenants (ASLOCA) is available to the public an online calculator to check the right to a. drop in rent before any registered mail.
The prospects are hardly more radiant for new arrivals on the housing market. the residential rental sector in Switzerland remaining marked by a deep and durable imbalance between supply and demand for housing, further accentuated by a tenants lookout reference mortgage rate marked appeal of investors for stone. Noting that it was no longer possible to respond to demand growth by reclassifying land in building areas. the director of OFL Martin Tschirren predicted in the columns of the NZZ AM Sonntag that the proposed rents were going to continue to progress from 3 to 5% per year in the coming years.
The households of tenants have devoted more than a fifth of their gross income in recent years to last years for their housing. according to the stupids collected by OFL. The rental charge increases in conversely to said income. households earning more than 12,000 francs per month affecting less than 15%, when those capped within 4000 leave approximately a third.
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