News and Guide

News from DL MoneyPark and information on the financial market and Swiss romande real estate

Published by : dl
27Jan2015

Donation, Exchange, Estate Distribution

The donation (CO art. 242/243) and exchange (CO art. 237/216) of real estate must be executed via notary in order to be valid, unlike in the case of estate distribution, where written form is sufficient (CCS art. 634).

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27Jan2015

Acquisition of property by operation of law

When the ownership of a property is transferred by operation of law (inheritance, foreclosure, expropriation, occupation, prescription), the acquisition is not entered in the land register.

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27Jan2015

Land properties

A land property is composed of a demarcated parcel of land surface (CSS art. 667 et seq.).

Vertically (i.e. perpedicular to the ground in the direction of the sky and the center of the earth), the extent of the land property is depends on the owner's interests.

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27Jan2015

Co-ownership share

Ownership by floor or condominium ownership is a particular form of co-ownership that also represents a real estate property. Its particularity lies in the fact that the co-owner has the exclusive power to administer, use, and improve some parts of the building that are considered private.

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27Jan2015

Right of land occupancy

The right of land occupancy entitles persons to build on land that does not belong them (CSS arts. 779, 799 a-1).

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27Jan2015

Land register

All real estate properties are entered in the land register. The land register is a public register under the cantonal authority. It provides information on owners and property rights (ownership, easements and land encumbrances, notes, and collateral).

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26Jan2015

Real estate collateral

When granting a loan, the financial institution requires guarantees. In the case of a loan secured by real estate, the title cannot be transferred, since the borrower wants to either live in the house or rent it out.

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26Jan2015

Statutory mortages

Statutory mortgages protect the interest of a company that has not yet been paid for its works or services on a real estate property.

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22Jan2015

Gross & Net Returns

The investor's task is to judge the estimated profitability of their property investment by assuming that they will pay the price requested by the buyer.

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22Jan2015

Direct return on equity

Another type of calculation, direct return on equity, can also be used to assess the profitability of an investment such as that proposed. Its formula is as follows:

Direct return = (rent – charges – interest) / equity

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