Spacious house comprising two apartments and building land
- CHF 995’000
- About CHF 2’598 / month
Overview
- Single-family house
- 8.5
- 278 m²
- 3
- 2009
- 2965
Description
This multi-family house built in 2009 in a central location of St. Niklaus impresses with its versatile use, solid construction quality and attractive plot size. The building comprises two independent apartments and thus offers ideal conditions for owner-occupiers with additional rental potential, multi-generational living or an interesting investment solution.
On the ground floor there is a 3.5-room apartment with approximately 78 m² of living space. The unit presents itself as modern, bright and well-maintained. Timeless floor tiles, a functional kitchen and a well-thought-out room layout provide a pleasant and uncomplicated living experience.
What this means in Switzerland
Who may acquire this property
Eligibility depends on your residence status, not on your nationality alone.
- Swiss national, or C permit holder
- No authorisation required
- EU / EFTA national resident in Switzerland
- No authorisation required
- Non-EU national with a B permit
- Primary residence only, and must be occupied
- Resident abroad
- Holiday home only, in a designated commune, under quota
The seller has not declared a status for this listing. Holiday-home designation is decided commune by commune, and the cantonal authority issues the binding decision.
What a Swiss bank will require
Affordability is tested at a theoretical 5% rate, not at the rate you would actually pay.
- Equity (20%)
- CHF 199’000
- Of which outside your pension fund
- CHF 99’500
- Acquisition costs, Valais (2.6%)
- CHF 25’870
- Cash required at signature
- CHF 224’870
- Minimum gross annual income
- CHF 178’899
- Imputed monthly charge
- CHF 4’920
At an indicative market rate your real monthly outlay would be closer to CHF 2’598. Commonly split 50/50 between buyer and seller by contract.
Can you finance it? Check with your own figures
Your figures stay in this browser and are reused on every listing you open.
Savings, 3rd pillar, gifts and pension fund combined.
Enter your equity and income to see whether this property is within reach.
Within your budget by standard Swiss lending criteria.
Not yet within reach with these figures.
- Equity incl. acquisition costs – / CHF 224’870 Missing:
- Equity outside your pension fund – / CHF 125’370 Missing:
- Imputed charge / gross income – / 33 % Income needed: CHF 178’899
Indicative figures based on standard Swiss lending criteria and cantonal rates. Your lender, notary and the cantonal authority remain the authoritative sources.
Features
360° Virtual Tour
Technical details
Technical and energy
- Heat distribution
- Underfloor heating
The neighbourhood
Nearest public transport stop St. Niklaus VS, Ballacker 11 min walk
Door to door by public transport
- Bern2 h 26
- Lausanne2 h 45
- Fribourg/Freiburg2 h 59
- Genève-Cornavin3 h 28
- Neuchâtel3 h 29
- Zürich HB3 h 31
Weekday departure at 07:00, walking time to the stop included. Source: Swiss public transport timetable.
Address
Open on Google Maps-
City: St. Niklaus VS
-
Canton: Valais
-
Zip/Postal Code: 3924
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Area: Flüe
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Country: Switzerland
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