Find the answers to your questions
We answer your most frequently asked questions regarding our services, how we operate, and the entire buying and selling process.
Sell with Neho
Our local agents all have several years of experience in
real estate, whether it is as a freelancer or as an employee of a so-called "traditional" agency. They joined Neho, convinced that a fixed price model was the future of a business that needed to evolve. These experienced, competent and honest professionals are the ones who guarantee the high quality service offered at Neho.
2 offers are never exactly equal: dates of the sale, speed to demonstrate the ability to finance, human relations between you and the buyer... So many parameters that will allow you to choose, in consultation with your agent.
You always have the last word on the selling price. Our experts carry out a precise valuation of your property based on a multitude of tools and analyses in order to determine an optimal price. The latter is submitted to you for approval and we accompany you in any case.
It is because we fight to get the best prices for the properties we sell, that our customers give us the best ratings. Neho is an agency that is growing rapidly through positive evaluations and the use of word of mouth that results from our clients' satisfaction. This is why we will do everything to sell your property at the best price.
Under no circumstances will we force your hand. We ensure the sale of your property for 10 months, whatever your decision as to the price.
The package includes all the services described on our website, from the valuation of your property, the sale and to the signature before a notary. The only exception is the handling of all visits of interested buyers by your local agent for an additional cost of CHF 2'500.
Our experts are experienced in the technique of conducting visits and they are good at presenting your home; however, your property is unique and we would understand if you want to make the presentation to the buyers yourself. This is what most of our clients decide and in this case, we support them with our visit training.
We publish your ad on more than twenty leading real estate portals to ensure optimal coverage, including Immoscout24, Homegate, Immostreet, Comparis, Anibis, Newhome, Immowelt, Lookmove, Alle-Immobilien, Anzeiger, Neubauprojekte, Casa.Raiffeisen, Allekleineanzeigen, immo.baz, mitula, iCasa, Nestoria , petitesannonces, urbanhome, lenouvelliste...
Twenty years ago, the buyer network still made sense and a real estate agency allowed a transaction through its high-street agency and its buyer base. Since 2017, 98% of Swiss real estate transactions have been initiated by Internet research. The buyer network no longer appears to be a major asset.
Nevertheless, like any agency, Neho has built its own network: people who express an interest in one of our properties can be notified when yours is published, and we put a lot of resources into maintaining an accurate and up-to-date buyer base. We will not promote your ad to people who bought 5 years ago.
We also advertise within several networks, including those of the Investis group and the Delarive group.
The process is the same as with any agency. You can start by making a free and instant valuation of your property on our site by clicking here.
If you wish, you can contact our agents directly by filling out the form available here. The agent in charge of your locality will contact you to schedule a free and non-binding appraisal appointment. Then, it's very simple; we take care of everything, from the valuation of your property to the conclusion of the sale before the notary.
We have set up an offer in partnership which brings together the best specialists in project management to offer you an all-inclusive service. You are fully integrated and supported throughout the entire process of land development, from the feasibility study to the dissemination of the project on all major portals, including technical, financial and legal advice.
The choice to sell or develop your land must be made according to your expectations:
- If you want a quick and simple solution, we recommend the sale of your property.
- If you want to maximize your profits, participate in the development project and have the time to do so, we recommend valorisation.
In addition to all the services of our classic residential offer, we market your property directly to our specific network of investors. In addition, we provide increased visibility and value on the Swiss and international markets.
When several units are involved, the sale of a building or an investment property requires a specific approach, the preparation of a specific file and presentation, depending on the type and characteristics of each object.
The appraisal
Calculating the value of a property can be done in several ways, but the most common methods include comparative evaluation, income analysis, and replacement cost. At Neho, we use a combined approach to ensure accuracy.
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Comparative Analysis: This method involves comparing your property to similar ones that have recently sold in your area. Factors such as size, location, condition, and amenities of the property are taken into account. At Neho, we use up-to-date market data to make these accurate comparisons.
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Income Approach: Relevant mainly for rental properties, this method assesses a property's value based on the potential income it can generate. It considers the current and potential rental income, as well as expenses associated with the property, to determine its profitability.
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Replacement Cost Method: This method estimates how much it would cost to rebuild the property identically using current construction material prices and labor costs. It is often used for unique properties or those that do not easily lend themselves to direct comparison.
At Neho, we combine these methods with a thorough analysis of market trends, local conditions, and unique factors of your property to provide an accurate estimation. Our goal is to give you a realistic overview of the value of your property in the current real estate market.
To find out the selling price of a property in Switzerland, you can consult the land registry records, which are usually maintained by the cantons. This information may be available to the public for a fee. Additionally, real estate agencies and specialized real estate websites can provide data on ongoing and recent transactions. However, access to this data may vary depending on the privacy and transparency laws in effect in each canton.
The market value of a property in Switzerland is determined based on several factors, including location, size, condition of the property, local market trends, and recent sales prices of comparable properties. Property evaluators typically use methods such as market comparisons, the potential income from the property, or the replacement cost to determine this value.
The market value of a property corresponds to the price at which the property could reasonably be sold on the date of the assessment, under balanced market conditions. It is determined by considering various factors such as location, size, condition of the property, local market trends, and recent sale prices of comparable properties. Real estate appraisers typically use methods such as market comparison, the potential income of the property, or the replacement cost to determine this value.
Due to the rise of digitalization data has become available and open to the public, ensuring that buyers arrive informed, often with their own valuations.
We have therefore decided to combine our knowledge and experience of the local market with the latest statistical data to estimate properties in Switzerland. We base our estimates on 4 pillars:
- The first two pillars help us to know what a bank would be ready to pay and thus use the same software as the banks when they study a property to grant mortgage credit to the buyer. That allows us to estimate your property based on real transactions around your region. This process is called the hedonic model. Our partners are PriceHubble, CIFI/IAZI and Wüest Partner.
- We then analyze real estate ads and banking transactions within a radius of 100 to 5000 meters around your property. This allows us to have a more accurate estimate because we have an overview of all the announcements and transactions of the last few months. In comparison, a traditional broker would only look at current ads.
- Finally, these estimates are analysed and challenged by our experts, who bring their field experience and knowledge of your municipality into the final estimation.
You can book your free evaluation with one of our agents in a few seconds by clicking here.
Depending on the situation, we use various valuation methods, including those based on intrinsic value, yield value and the hedonic method favoured by Swiss banks. Our experts will advise you on the best method during your on-site valuation meeting.
The mandate
Twenty years ago, a real estate agency was one of the only points of contact between buyers and sellers. This made it possible to "close" or "unblock" a sale through its network of buyers.
In 2017, more than 98% of real estate transactions in Switzerland were initiated by an Internet search. The broker's role is no longer to "unlock" a deal. The agency must therefore transform itself to offer you support and assistance in order to facilitate this crucial moment in your life as an owner.
Finally, the average house price has doubled over the last twenty years, as have broker commissions. Thanks to digitization, we have reduced the time spent per file: less paper work, messaging tools, automation, etc. Our work is almost equivalent whether your property is worth 750'000 CHF or 1'500'000 CHF. This is why we decided to create Neho, the first commission-free real estate agency in Switzerland.
Absolutely, we are ready to analyze and publish your property right now. If you already have a real estate broker, you must still verify that the signed contractual conditions allow it. Do not hesitate to contact us, your Neho agent will help you to analyse your previous contract.
We eliminate many unnecessary costs: no more well-established offices, luxury cars and paper-based processes. Optimized use of new technologies also considerably increases our efficiency. This allows us to offer an extremely competitive package price, and to focus on the essential: the search for the future buyer of your property.
There are three main reasons why a property does not sell:
- Typology of the property;
- Micro-situation;
- Price.
In the event that the sale takes longer than expected, the data collected so far by your agent and the systematic post-visit feedback will allow us to decide with you which steps need to be taken: home staging, price adjustment, activation of unconventional channels, etc.
This initial commission is an aspect of our business model and reflects our philosophy: "every job deserves a salary". Thus, these 3'000 CHF cover the costs of enhancement (photos, virtual visit, file creation), promotion and distribution costs for 10 months and the management of the file by your agent.
We offer each of our customers the best possible service, so we ask for a fixed and transparent rate.
We wanted to set up a balanced system with 30% at the time of signing and 70% after the sale. Without this 30%, our company would not be viable. This is therefore a strong signal: we will be fully involved until the transaction is concluded before a notary.
Buy with Neho
When buying a home in Switzerland, you are subject to a variety of fees and taxes which you will have to pay in addition to the purchase price itself. Please note that due to the high degree of sovereignty of the cantons in Switzerland, the fees and taxes vary greatly depending on the canton.
As a buyer, you can expect the following additional costs:
- Property transfer tax (between 0 and 3,3 % of the purchase price)
- Notary fees
- Land registration fees (between 0.1 – 0.5 % of the purchase price)
- Fees relating to the mortgage note (between 0.1 – 0.3 % of the mortgage loan)
Maybe you are currently looking for your future home, or maybe you have already found the property of your dreams. In any case, determining whether or not you can actually afford a given property should be one of your primary concerns.
Our financing calculator allows you to quickly and easily find out what purchase price you can afford. Alternatively, It can be a good idea to get into contact with a financial advisor. Our partner Strike is at your disposal to help you with financing your real estate purchase. Contact your local Strike advisor here – the first meeting is free of charge and without obligation
Buying or renting is an important and personal decision that can be motivated by different factors. Depending on your lifestyle and plans, you may prefer to buy a property to set it up to your liking, for example, or to benefit from a secure investment. It is also important to compare the monthly cost of both options to get a quick overview of your monthly expenses. Do not hesitate to consult our dedicated article which will help you to take stock of the situation.
When making a first purchase, several aspects should be kept in mind to ensure that this step goes smoothly.
We advise you to:
- Define your wishes and search criteria;
- Anticipate your financing and check your purchasing capacity with a financial advisor such as our partner Strike;
- Pay attention to all the documents provided concerning the property that interests you.
This is a non-exhaustive list. Our team is obviously at your disposal for all your questions concerning your real estate purchase.
For sellers one of the most important criteria when selecting a buyer is their financial situation. For you as a buyer, this means obtaining a financing certificate to confirm that you have the agreement of a lender on obtaining your mortgage loan.
A dedicated financial advisor such as Strike can help you secure a mortgage by looking at all aspects of your financial situation.
The company
Neho is the first real estate agency with a fixed price in Switzerland. We offer you a complete brokerage service for the sale of your property. Your experienced local agent will accompany you throughout the whole process, from the valuation to the conclusion of the sale. We employ modern technologies to ensure the best service at the best price. We have assisted more than 4'700 owners since our launch.
Based in Lausanne and Zurich, we are active throughout French-speaking Switzerland, in Zurich, St. Gallen, Basel, Winterthur, Schaffhausen, Thurgau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Schwyz, Zug, Luzern, Aargau, Bern, Basel Stadt and Basel Land.
The official name of our company is "Proptech Partners SA", and we operate under the brand name "Neho".
We offer you a brokerage service from the on-site valuation to the conclusion of the sale before a notary. Thanks to your experienced local agent and the digitalization of our services, we are much more efficient – an advantage of which you are the main beneficiary.
We have eliminated unnecessary costs such as street-level offices, high-end cars, and paper processes in order to offer you a competitive price.
In addition, our innovative online platform, where all the management of the sale of your property takes place, guarantees you total transparency of information, control over the process and accessibility at all times, 24/7. This way, our agents offer you a window on everything they do for you and your sale.
Others
The property gain is the profit made from the sale of a property. This profit is the difference between the selling price and the capital costs (purchase price plus certain additional costs). Deductible expenses include purchase expenses (notary fees and property transfer taxes), value-added investments, and sales expenses. Taxation of property gains varies from canton to canton in Switzerland.
The property gains tax is calculated based on several factors, including the canton in which the property is located. The following approach can serve as a guideline:
- Determining the property gain: The property gain is calculated by subtracting the purchase price of the property (including purchase expenses and value-added investments) from the selling price. Sales expenses can also be deducted.
- Application of deductions based on the ownership duration (if applicable): In some cantons, the property gains tax is reduced based on ownership duration. The longer you have owned a property, the lower the tax rate.
- Calculation of the tax based on canton’s tax rates: The taxable property gain is subject to the canton’s tax rate. The tax rate may be progressive or proportional.
Applying cantonal rules (if applicable): Cantonal specifics will influence the property gains tax, such as tax deferral for replacement purchases.
Yes, there are cases where property gains tax can be deferred or waived. The most common case is a replacement purchase, where the proceeds from the sale of a property are used to buy a new property. Here's a general outline:
- Replacement Purchase: If you sell your property and immediately invest the proceeds in the purchase of another property, you can apply for a deferral of the property gains tax. The property gain won’t be taxed as long as the money remains invested in a property.
- Conditions: To qualify for a deferral, certain conditions, which vary by canton, must be met. Generally, the replacement purchase must be made within a specific time frame, and the new property must be located in Switzerland. Additionally, the new property has to cost at least as much as the old one.
- Goal: The deferral of the property gains tax offers a tax incentive for private homeowners who want to stay homeowners.
- Effects: The property gains tax is deferred until the new property is sold. If the new property is held until the owner's death, depending on the canton, it may be possible to avoid the property gains tax altogether.
It's important to note that regulations vary from canton to canton. Consulting a tax advisor to get detailed information on the regulations in your canton is recommended to optimise your property gains tax.
The deferral of property gains tax allows homesellers to delay the property gains tax. This means the tax will be due at a later date rather than immediately upon the property sale. The most common scenario for a deferral is through purchase of a replacement property:
- Sale and Property Gain: If you sell a property at a higher price than the purchase price, you have made a capital gain, which would typically be subject to property gains tax.
- Replacement purchase: If you, however, reinvest the proceeds from the sale into purchasing a new property, the property gains tax may be deferred.
- Conditions: To qualify for the tax deferral, certain conditions must be met, such as a new purchase within a specific timeframe and the new property being used the same way. Regulations vary by canton.
- Advantage of tax deferral: The property gains tax is deferred until the replacement property is sold, effectively reducing the immediate tax burden and providing more funds for the replacement purchase.
- Tax declaration: The sale of a property must be declared. The specific guidelines and form of the tax declaration depend on the canton.
If you're planning a replacement purchase, we recommend consulting a tax advisor to get to know the regulations in your canton, allowing you to optimise the property gains tax to your advantage.
We do not share any of your personal data publicly, except for the address of the property for sale.
We answer your questions
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- Fixed price of CHF 12'000
A more generic real estate question?
Learn more about real estate through our glossary and find many advice in our blog articles.
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