Quel apport est nécessaire pour acheter en Suisse ?

Pour acheter un bien immobilier en Suisse, vous devez apporter au minimum 20% du prix d'achat en fonds propres. Au moins 10% doivent provenir d'épargne personnelle (pas du 2e pilier). Le reste peut être financé par un prêt hypothécaire.

Comment fonctionne l'hypothèque en Suisse ?

L'hypothèque suisse se compose généralement de deux tranches : la 1ère hypothèque (jusqu'à 65% de la valeur du bien) et la 2e hypothèque (15% supplémentaires, à amortir en 15 ans). Les taux peuvent être fixes, variables ou Saron.

Quels sont les frais d'achat immobilier ?

En plus du prix d'achat, prévoyez environ 5% de frais supplémentaires : droits de mutation (1-3% selon le canton), frais de notaire (0.1-0.5%), inscription au registre foncier, et frais d'hypothèque. Certains cantons ont des frais plus élevés que d'autres.

Quels sont les frais de notaire pour un achat en France ?

En France, les frais de notaire représentent environ 7-8% du prix d'achat dans l'ancien et 2-3% dans le neuf. Ils comprennent les droits de mutation, les émoluments du notaire, les frais de formalités et la contribution de sécurité immobilière.

À vendre Appartement

Apartment for sale, Via ai Monti 104 (Locarno, Switzerland)

Appartement à vendre · Locarno · 4 pièces · 102 m²

Publié le 03.06.2026

670 000 CHF 6 569 CHF/m2

4 pièces

102 m2

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Description

Discover a 4.5-room oasis that offers you a breathtaking view of Lake Maggiore and the majestic mountains! This apartment, located on the third floor of a well-kept building with only 12 units, is located in a beautiful quiet and sunny area.

With approx. 102 m² of living space and a covered balcony of 12 m², this property offers a special quality of life: the large, bright living area, rounded off by three cosy bedrooms, two bathrooms and a (reduced) storage room with connections for washer-dryer columns, creates a harmonious and comfortable living environment.

The apartment is maintained in its original state, thus offering a wonderful opportunity for customizations and tailor-made renovations, according to your tastes and needs.

[b]Strengths of the apartment:[/b]

Timeless panoramic view of the lake and mountains
Open kitchen
Underfloor heating
Utility room with connections for washer-dryer column
Covered balcony to fully enjoy an infinite view
2 outdoor parking spaces (1 of which is covered): CHF 30'000.- each (not included in the price).
Secondary residence not allowed

This apartment is ideal for those who want to create a home with a personal imprint, while enjoying the beauty of nature and the endless blue of the lake. Let your creativity run wild and transform this special place into a unique and tailor-made retreat!

[b]POSITION AND CONTEXT[/b]

A popular tourist resort and residential area rich in history and culture, also known for the film festival that takes place every year, Locarno Monti is renowned for its spectacular views and many hours of sunshine.

Elegant shopping boutiques, high-end hotels and numerous excellent cafes and restaurants, beautiful lakeside walks, a large beach club, activities such as surfing, sailing and other water sports, as well as boat trips on Lake Maggiore.

Just a 10-minute drive away are also two prestigious 18-hole golf courses (Ascona and Losone) and several tennis courts.

The wild and fascinating nature of the nearby Ticino side valleys (Valle Maggia and Centovalli) also offers numerous possibilities for hiking, trekking and mountain biking.