If you are considering the idea of purchasing a house or you have fallen in love with one of our proposals, CHARMINGHOMES is here to see your projects come true. It is not easy to venture into this bureaucratic jungle, this is the reason why we thought of your needs, we offer assistance for all the necessary practices from the negotiation to the sale.
Let's make this great step together unique and special.
The TUI, the tax on real estate profits, a cantonal tax on real estate profits to which both physical and legal persons are subject.
This tax is calculated on the basis of the purchase value or, in the case of properties held for a period equal to or longer than 20 years, an estimate of value is made on the basis of the previous 20 years.
From these will be deducted: the commissions paid, the costs of purchase and sale, such as notary fees, registration, stamp duty, insertion, and excluding costs already previously deducted from income (or profit) in the context of ordinary taxation. Any subsidies or indemnities received must be deducted.
When we talk about a loan, we usually refer to a "mortgage loan", it is a medium-long term loan contract, guaranteed by a mortgage, and is normally made for the purchase or renovation of a property.
CHARMINGHOMES, gthanks to the close collaboration with Banco Popolare di Sondrio, is also able to guarantee its customers some of the most advantageous mortgage loans.
The fixed-rate mortgage makes it possible to plan the financial burden safely for the entire contract period. The 10-year term protects against interest rate volatility and thus ensures precise planning of expenses.
The variable mortgage, on the other hand, is advantageous for those who know they will resell the property in the next 12-24 months.
|PROPERTY VALUE||CHF 10000000|
|OWN HALF||CHF 150000|
|AMOUNT TO BE FINANCED||CHF 850000|
|MINISILARY RATE||CHF 3069|