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Hotels
Charges
These are the expenses you have to add to the rent for building expenses not billed directly to one tenant. It covers things such a the caretaker,
the building's general heating, etc...
Parking, place de parc, box, garage
These all designates places where you can leave your car. The lowest would be parking proximit , meaning that there's no parking space
attached to the appartment but that you should be able to find some in the neighborhood. Not good. Place de parc is an open air parking space,
usually right outside the building and reserved for you. A garage i s the same as in English, a room accessible by a separate door where you can
leave your car. A parking souterrain would be an underground garage, usually shared with the other tenants but with an assigned parking space for
your car. A box, finally, is a garage in a parking souterrain .
Rgie
Building management company. This is the company that represents the landlord. Most buildings are run by rgies who handles all practical aspects
of the building's day-to-day management for the landlord. The rgie signs the lease with you, make the tat des lieux and handles all practical
aspects beyond the concierge's responsibility, such as complaints against other tenants, major repairs, etc...
Pices
Rooms. It is very tricky to judge an appartment by the number of its rooms. First because rooms, like people, come in all sizes. Second because in
some cantons some rooms count towards the total whereas in others they do not. For example a 3 room appartment in Geneva would be made of a
living room, a bedroom and a kitchen. In Lausanne this would be listed as a 2 room appartment. You got it - ask for the surface habitable (floor
surface). Pices de rception would be the collective of all rooms used to entertain, such as. Pices en enfilade mean that to access one room you
have to go through another (as opposed to a separate access for each room through a corridor).
Chambre
Room. A chambre coucher is a bedroom while a chambre d'ami is a guest room. Please note that chambre normally means somewhere where
you can sleep whereas the more general pice means just any room, including a kitchen, a closet and so on. So French has two words (chambre
and pice) where English has one (room).
Salle
Yet another word for room but used only for very large rooms or in set expressions such as salle de bain (bathroom) or salle manger (dining
room).
Bibliothque
Library. Note that it is quite rare for a room to have built in bookcases so this word is usually used merely to say what the room was used for so far
and to give some grandeur to the house's description.
Sjour, salon, living
Living room.
Immeuble
Building.
Toit
Roof.
Plafond
Ceiling.
Sol
Ground.
Garantie
Reasonable landlords will always ask for a garantie (deposit) - usually 3 months but sometimes less. This money has to be blocked on a special
bank account opened for this purpose - NOM DU COMPTE. The landlord can access it if you stop paying or if you disappear in thin air and he has to
make repairs in the appartment. If you are reluctant to tie up the cash, there are several insurance companies that offer a service giving the
landlord the same security but would cost you a few hundred francs a year with not cash tied up. Please note that there are also quasi-scamsters in
this rent insurance business.
Demande de location
When you have decided that you like a place and the price asked to rent it, you need to fill out a demande de location - an application to rent. This
document usually asks you some basic biographic information about yourself and the other people who will live in the appartment or house. The
rgie or landlord will then use it to decide whether to give it or not. We gladly handle this part for our clients.
Concierge
Caretaker. This is the man who cleans the building, replaces defective lightbulbs and usually the first person you talk to when there are minor
repairs to be done. He is nothing like what in English you call a concierge, the man in the luxury hotel that finds outside goods and services for you.
Commune
City. In Switzerland, you can have many different communes in one city, each being more or less a neighborhood. That is like if Chelsea and
Kensington where two different communes even though they belong to an area called London. What city you are in can matter for a few reasons.
First some people are just happy when they can say they live in a fashionable commune, such as Pully or Cologny, because they are associated with
wealth and exclusivity in some people's minds. But the city can also hit lower, in the wallet. In most cantons, tax rates depend on the city for a
third. This can make for differences of up to 20% in your overal tax bill. (See Taux for more).
Taux / Taux d'imposition communal
City tax rate. It is often mentionned as an argument when it is especially low. It is very simple. If the city you are in has a taux of 80, this means
that for each thousand Swiss franc note that you send to the canton, you have to send CHF.800 to the city. These city tax rates vary from 40 to
150 in some cantons, but the tendency is regrettably towards convergence. And that is not convergence to 40.
Canton
Switzerland is made up of 26 separate cantons. Each of them is a separate state, very much like in the USA. What does this means for you? It is
quite important to know in which canton you will live. First, some residence permits are tied to a canton - you just have to live there. Taxes vary
very much between cantons and the proper selection of both the canton and the city can make a huge difference in terms of your overal tax bill.
Please remember that there are many enclaves of one canton in the other. So for example you can drive out of Geneva and enter the Vaud, then
reenter a small Genevan island a few kilometers later.
Etat des lieux
Visit of the accommodation with a reprensentant of the landlord to take down any defects. The purpose of this is to establish whether you have
deteriorated anything in the appartment when you leave it. Etat des lieux d'entre is the initial visit and Etat des lieux de sortie is the visit when
you leave. A detailed report has to be filled in and signed by both parties. Make sure that every defect is taken down (scratches, stains, broken
windows, etc...)
Rsiliation
Contract termination. To terminate the contract at the end of the lease, you need to follow a precise procedure. The rsiliation anticipe means that
you want to leave before the end of your lease. This is normally possible but you have to present another tenant acceptable to the landlord.
cantonal and city laws pertaining to the transaction have been abode by. In some cantons this is a civil servant but in others the notary is a
professional officially registered with the canton. Usually the seller proposes a notary. Crooked notaries are almost unheard off in Switzerland
(some say that they don't need to steal since they have such a fine occupation).
Vendre, vendre, vente
To sell, for sale, a sale.
Droits de mutation
Transfer tax. There are several local taxes to be paid when a property is sold. Usually the seller pays for the real estate broker that found the buyer
and the buyer pays for the buyer's agent and the transfer taxes. These depend on where the property is but are usually below 4% of the value of
the property being transferred.
Impt foncier
Registre foncier / Cadastre
In Switzerland, an official register is kept that records who owns what piece of land and what building. The cadastre is WHERE and WHAT
Etat des contenances
Cdule hypothcaire
Hypothque
Mortgage. Most banks are happy to loan between 50% and 80% of the appraised value or purchase price of a property, whichever is lower. They do
not loan against property outside Switzerland. Hypothque lgale means a lien put against a property by a construction company that did work on
the house but was not paid.
Forme juridique de proprit
Some houses are owned by a company, called socit immobilire or S.I., of which the house is the only asset. You don't buy the house, but the
company. This form of ownership is no longer is fashion but some houses are sold like this. To stress that the sale is not through a socit
immobilire (or S.I.), some brokers list the house as being sold en nom (under name). Please note that buying through a socit immobilire or
through a strawman does not change a iota to the Lex Friedrich restricting sale of Swiss real estate to foreigners.
Promesse de vente
Promise to sell. If you want to buy a house but are waiting, for example, for your residence permit to be approved, you can, in some cantons, sign
a promesse de vente with the seller. By this the seller is bound to sell to you within so many months if you obtain, say, your residence permit.
Usually it implies paying the seller a deposit that is lost if you don't buy. Please note that some cantons do not allow such contracts to be signed if
you are not a resident.
Acte de vente
This is the official document by which you buy the house. It is made by the notary and signed in his office. You can't go back on such a contract,
even if you claim that you didn't understand or that you had too much to drink that day.
Commission foncire
Switzerland's Lex Friedrich puts some restriction as to what foreigners are entitled to buy. This concerns you if you are a non European Swiss
resident and wish to buy a house with more than 3000 m2 of land. In such a case the commission foncire, a LOCAL administrative body, would
have to meet and decide whether to allow the purchase or not.
Lex Friedrich
Federal law restricting the sale of real estate to foreigners. In DATE, the Swiss people
Agent immobilier, Agence immobilire, Courtier
Real estate broker. Most work for property sellers and are remunerated by a commission paid the seller when the property is sold. A few, such as
Micheloud & Cie, act at buyer's agent and are remunerated by the buyer.
Valeur
Value. There are lots of value associated with a building, most of which of folkloric relevance. Take the valeur fiscale, which is determined by the
city council to raise the property tax. It is almost invariably way lower than the market value. The valeur d'assurance is no more precise but is more
important. That is the money you will get from the Cantonal Insurance if the building burns. Valeur de rendement is used to derive a value based
on how much you can rent the building for. It is usually computed by multiplying the annual gross rent by a coefficient varying from 10 to 20,
depending on the building's location and condition.
Etat
Conditions. Bon tat means good condition, tat neuf is like new and excellent tat you can guess yourself. Mauvais tat - poor condition - usually
is an euphemism for very poor condition.
Situation
Location. This means where the building is located within the neighboorhood. This can mean noise level as in situation calme o r situation tranquille
(no noise). It can mean accessibility from various points of interest in the city as in situation centrale - central location or deux pas de ... - a
stone's throw from .... Situation dominante means that you command the whole neighborhood, usually from a height in the ground. Situation
protge would be prized by people who like privacy. It never means problem as in English.
Quartier
Neighborhood. This is not as important in Switzerland as in many other countries. In Paris, for example, you can say with some truth "Tell me
where you live and I'll tell you who you are". Although some residential neighborhoods, such as Cologny or Puly, enjoy a greater social status than
others, at least in the eyes of their inhabitants, there are almost no neighborhoods that bear a social stigma.
Disponibilit
Availability. The best is tout de suite ou convenir, meaning pretty much whenever you want provided nobody buys the house in the meanwhile. If
a timeframe is listed it usually means that somebody lives in the house. At best the house is occupied by the seller, meaning that as soon as he
sells and finds an alternative accommodation, you can move in. But in some cases the house is rented and there a world of pain can begin if you
want the tenant to vacate the premises so that you can live in the house.
Prix
Price. Prix de vente is selling price (you should understand: asking price).
This lexicon has been prepared by the staff of Micheloud & Cie and reviewed by a partner. It does not, to the best of our knowledge, contain errors
but we cannot guarantee that it doesnt. You are free to link to this page but NOT to copy the text, images or sound files.
Pronunciation tips: Sound files
Si possible illustrer le guide et y ajouter des fichiers sons