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Do you want to buy the apartment or house alone or together with other people? Depending on your civil status you may be interested in various forms of homeownership..
Do you want to buy the residential property alone? Or together with your wife or your significant other? You will need to indicate, at the latest in the purchase contract, if you are buying the house alone or in co-ownership, and to what extent you and your partner will be involved in the purchase. This information will be recorded in the Land Register. The most common forms of homeownership are:
Depending on your civil status you may be interested in various forms of homeownership:
Married couples who buy a home together generally choose co-ownership. This means that the husband and wife both have a share in the ownership of the home, normally half each. Their co-ownership shares are recorded in the Land Register and they are free to dispose of them. They are jointly responsible for maintenance and repairs, and paying the mortgage. An alternative to co-ownership is a community of property, which can be set up in a marital agreement and which establishes joint ownership. For further information on the financial consequences of marriage, read the relevant ch.ch page
The law does not protect cohabiting couples when a decision has to be taken on the joint home following separation or the death of one partner. Detailed arrangements have to be made in a cohabitation agreement. You can find further information on the relevant ch.ch page.
Same-sex couples who have registered their partnership enjoy protection similar to married couples. A sole owner cannot freely dispose of the joint home, but needs the consent of his or her partner. You can find further information on the consequences of a registered partnership on the relevant ch.ch page.