Advice : Buying A House With My Boyfriend In Switzerland.

Hi there. I am going to buy a house with my divorced and father of one boyfriend, in zurich. I am very ignorant on this and I would like to ask for advice of anything I should be aware before to sign the contract.

I do understand it would be good to have another contract between us as he has a child and I don't,etc. I would like to know where I could read about my rights in this area, here in Switzerland. And also , if later we married, under which laws any future disagreements , etc related to the house will be rule?

etc etc etc etc

Thanks a lot!

Carloncha, something as intricate as this I would strongly advise you to seek professional advice from a lawyer rather than rely on anything you may read on the internet or on here (particularly on here!!! ).

Hi Carloncha,

I agree with Snoopy. I think you should really better to seek a professional one rather than to search in the internet like this because it might made you confious about something because of the different ideas with different people. Its better to rely and seek for the better one. Have a nice day a head.

I totally disagree with this reasoning: There is nothing a lawyer knows that cannot be found out for free either on the Internet or through reading books.

How on earth do you think lawyers get their knowledge???

I do agree with the point of asking a lawyer. Nothing can be more of a challenge than to enter any business requiring legal documents as well as registration in a country of which you probably do not know the legal frame work good enough.

To know the law and apply it properly are two completely different pair of shoes.

SEVERAL YEARS of studying in law school

3 years of studying law, that must be thousands of articles of law. How many of those articles would actually be of relevance to the question of the OP?

I have studied law at the university of Geneva: "Droit des obligations", "Droit des sociétés", "Droit de la TVA" and "Propriété intellectuelle" and I can safely say that law is definetly not rocket science (far from it).

The fact that lawyers charge huge fees doesn't make them more intelligent or wiser than you or me. Everything they know is available in books.

Why don't you just answer her question then if it's so easy? Or tell her which articles to read?

I would prefer to hire a lawyer and be relatively assured of getting the correct answer than to worry about if I was reading an outdated or amended article.

I never said that I was a law specialist, only that it is possible to find the information and understand it without being a genius or paying through the nose.

Maybe that's because you've got more money than sense?

Or maybe it's because I don't have sh!t for brains?

I could also learn rocket science by reading books and doing research on the internet but that doesn't really interest me. I would much rather pay someone a few hundred francs for a relatively simple answer than try to research the applicable articles in a foreign language and still not be assured that I covered all of the possible scenarios.

Back to topic please. Subsequent OT posts will be removed.

Hi

Here is an interesting article (in german):

http://www.hausinfo.ch/home/de/recht...heidungen.html

Translated into english it seems quite understandable:

http://de.babelfish.yahoo.com/transl...C3%9Cbersetzen

BTW Hausinfo.ch is a very trustworthy source of information, it is financed by house owner organisations.

Hey Patxi

I can just picture the OP before the divorce judge in years to come that her expert advice amounted to two links posted by martin34 in a language which was not her native tongue...

This place is just so full of "know it alls", it is incredible. By all means the OP should read as much she can, but at the end of the day martin34 will not be on the sh*tty end of the stick if things go tits up. The law, as anyone who has had dealings with it will tell you (and that does NOT include sitting in a university lecture hall listening to a professor) is never black and white. It is interpreted and it is continuously evolving. I still think that in a case like this it is worth spending a few francs to see a professional. A small investment now could save big bucks further down the road. Ever heard the expression "penny wise, pound foolish"?

I am confused. Is it possible to buy a house in Switzerland without a lawyer? If you buy property in the US you must be represented at closing by your real estate attorney, who would be natural person to consult with exactly the kind of questions listed by the OP.

Yeah right!

It's lucky that there are a few people like me here and that we are not all like you. Because if every question was answered with "Go and seek professional advice" then the EF would really be a resource of hugely useful information.

There was an old thread covering Joint Ownership on EF a few years ago. Richard is usually pretty cued up on stuff like this. joint ownership of property

You need a lawyer to buy something for sure, but he will produce a contract in German not English, his job to arrange the legal purchase of the property not represent any of your interests.

When you say you are going to buy a house with your boyfriend + father is how is the equity split? Will you (personally) be putting in a substancial deposit? Is he relying on your joint incomes to get the morgage? Will you be living on his income and paying the morgage with yours? There are quite a few posibilities?

You need to consider the worst case here. Should in five, ten who knows twenty years time you no longer wish to be a couple then the law will not protect you as it would have done had you been married.

In Switzerland as his wife you would be automatically entitled tlo 50% of your joint assets; as his girlfriend I am not sure if your entitled to anything...

No, you don't need a lawyer to buy something. It is recommended but not a requirement. For property you need to go to the notary though.

http://www.thenotariessociety.org.uk/

States ... A Notary is a qualified lawyer – a member of the third and oldest branch of the legal profession in the United Kingdom. OK this is Switzerland, you think it is different here?

My girlfriend and I are just going through the process of buying an apartment. The notary acts for both sides, and as I understood it his job is to ensure that the legal requirements are met by both sides (buyer and seller) and on any "contentious" issues he will act as an intermediary between both sides to try to help them reach an agreement.

He also offered to help me and my girlfriend by drafting an agreement between the two of us as to how legally we were going to buy the apartment and how it would be divided between us, although we decided to do it ourselves rather than pay any more fees... However, our situation is somewhat different (no kids, no previous divorces etc etc) so I would say if you are in any way uncomfortable about how your situation would work then I would seek professional advice. At least that way if something does go wrong then you have someone to blame/sue for the bad advice - try suing an internet forum for bad advice and see how far you get...

Cheers,

Sculler