Breaking News: UBS Solothurn Offers Groundbreaking Golden Financing Rule for Property Buyers
In a groundbreaking announcement, UBS Solothurn introduces the “golden financing rule” designed to empower property buyers in the Solothurn region. This rule offers a definitive guide to assess the feasibility of purchasing real estate, taking into account both gross income and equity contributions. This news is set to revolutionize the real estate market, making homes more accessible and financially sustainable for aspiring homeowners.
Understanding the Golden Financing Rule
The golden financing rule stipulates that if annual home costs do not exceed one-third of gross income and 20% of the real estate’s value can be financed through equity, a purchase should be feasible. This equity must include at least half of “hard” equity, derived from savings accounts and wage accounts, with the other half covered by “soft” equity, such as pre-funds from retirement provision.
Expert Guidance from UBS Solothurn
UBS Solothurn is taking a comprehensive approach to support potential buyers by providing detailed assessments that consider tax aspects, ensuring long-term financial sustainability. Their team of experts specializes in the Solothurn region, where the real estate market is particularly attractive, as highlighted in the recent UBS study “Real Estate Focus 2025.”
The study revealed that the Solothurn region offers significant advantages compared to other cantons such as Zurich and Zug, with an expected household income of CHF 200,000. Keeping these factors in mind, personal consultations are recommended to determine the best fit based on individual income levels.
Choosing the Right Mortgage
Buyers have the luxury of choosing between a fixed mortgage and the variable Saron mortgage, each offering unique advantages. Fixed mortgages provide predictable costs and a secure interest rate, ideal for those seeking stability. On the other hand, Saron mortgages, based on current money market rates, offer flexibility and potential benefits during favorable market phases.
Subscribers can stay updated on mortgage interest rate forecasts via a free monthly email service from UBS, ensuring informed decision-making.
Current Market Conditions
The current interest rate environment is highly favorable for real estate purchases, with cellule mortgage interest rates having significantly dropped since 2023. Buying a home is not only a promising decision but also a strategically sound one, given the expected increase in home prices. According to the Real Estate Focus 2025, home prices are projected to increase by 3-4% this year.
Take the First Step Towards Ownership
To get started, reach out to UBS Solothurn’s expert team to find the perfect financing solution tailored to individual needs. Contact them at 032 625 11 11 or visit ubs.com/agso for more information.
The golden rule from UBS Solothurn signifies a step forward for homeownership, making your dream of owning a home a reality. Trust your instincts and their expertise to make your homebuying journey successful.
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