The second number on every Swiss tenancy — decoded line by line, with what’s negotiable and what isn’t.
Rent is the headline; Nebenkosten is the asterisk. Knowing what sits inside that monthly figure helps you compare listings honestly.
Heating and hot water, building electricity, water and wastewater, caretaker services, and often a maintenance share. These are settled annually against your advance payments.
Mortgage rates have settled, rents keep climbing. We ran the math across five Swiss cities to find the real break-even point.
Why a bank can say no even when you can clearly pay the mortgage — and how the 1/3 and 5% rules really work.
What to inspect, what to ask, and the quiet red flags that never make it into the listing photos.
