Rental Income

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  • Benutzernameronanmoloney
  • Status Member
  • Registriert seit10/12/24
  • Beiträge2

I am looking to buy the 3 bedroom apartment that I am currently living in. The other 2 rooms are already rented and the current landlord has contract in place. There is also a garage box that is rented. 

So I will be taking over these contracts. The combined income from these are 1550CHF per month. If I can use this income to top up my salary then I can will be within the required monthly income bracket. I have the 20% deposit in savings that is required.

My question for the forum:

I wish to inquire if you know any banking facilities that will take the garage and rooms rental income to support my monthly income?

I have asked UBS, Postfinance, Raffeisen, Migrosbank, Credit Suisse and CLER.

They have all said that rooms rental cannot be accepted as a form of guaranteed income. So I would not be accepted for the mortgage approval.

Thank you in advance for your help.

 
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  • BenutzernameMister Banks
  • Status Member
  • Registriert seit8/16/15
  • Beiträge187

If several banks have rejected it, it could be difficult.

You could also ask mortgage brokers, as they have connections to several banks. Some Swiss mortgage brokers: Hypoteq, Hypohaus, Moneypark, Hypotheke and others.

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  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

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  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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