The percentage of equity required for the purchase of a second home in Switzerland is generally 35% minimum. However, it is important to note that some banks may be more flexible.

You should also know that it is not possible to use your retirement funds (LPP) to purchase a second home. Acquisition costs must also be taken into account and added to equity. These fees are calculated as a percentage of the total value of the property and are mandatory (e.g. 3% in Valais, 5% in the canton of Vaud)