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Les charges PPE, ou charges de copropriété, comprennent différents frais liés à l’entretien et à la gestion de l’immeuble en copropriété. La répartition de ces charges entre les copropriétaires est déterminée par le règlement de copropriété et est basée sur la quote-part de propriété de chaque lot.

Here is what PPE charges can include:
1. Operating costs: these are current expenses linked to the management and maintenance of the building. This may include concierge fees, cleaning fees for common areas, electricity and water fees for common areas, maintenance fees for green spaces, etc.
2. Maintenance charges: these charges are intended for the maintenance and repair of the common areas of the building. This may include renovation work on the roof, facades, elevators, pipes, etc.
3. Heating and hot water costs: if the building has a collective heating system, heating and hot water costs are shared between the co-owners.
4. Insurance charges: these are insurance premiums for the building, covering risks linked to common areas and private areas.
5. Administrative charges: this includes management costs of the co-ownership, such as management fees, costs of holding the general meeting, accounting costs, etc.

The rules for purchasing property in Switzerland for a foreigner are governed by the federal law on the acquisition of real estate by persons abroad (LFAIE). According to this law, foreigners who wish to purchase real estate in Switzerland must obtain prior authorization which is issued by the competent cantonal authorities and aims to ensure that the purchase does not harm the interests of the country.

It is important to note that each canton may have its own rules and criteria for granting this authorization. In general, the criteria taken into account are the economic situation of the buyer, the intended use of the property (primary or secondary residence) and the impact on the local real estate market.

Additionally, there are specific restrictions for purchasing goods in tourist areas.

Some municipalities may limit the sale of chalets or apartments to people domiciled abroad. The net floor area of ​​the property must not exceed 200m2 and 1000m2 for the land.

However, it is important to note that foreigners can invest without limits in establishments such as hotels and restaurants.

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)