Swiss Residence
Residence status and nationality may directly affect what a foreign client can buy in Switzerland. Understanding the connection between residence and property rights is essential before proceeding with any acquisition.
Advisory disclaimer: General information only. Property acquisition rights depend on nationality, permit type, canton, property type and individual circumstances. Lex Koller analysis must be performed before any transaction. Consult a qualified Swiss notary or lawyer.
The table below provides a general overview of property acquisition rights by residence status. This is a simplified summary — individual circumstances, canton, property type and applicable rules must always be reviewed with qualified professionals.
| Status | Main residence | Holiday home | Investment property |
|---|---|---|---|
| Swiss citizen | Generally possible | Generally possible | Generally possible |
| C permit holder | Generally possible | Generally possible | Generally possible |
| EU/EFTA B permit holder (resident in Switzerland) | Main residence generally possible | Depends on individual situation | Requires individual review |
| Non-EU/EFTA B permit holder | Main residence may be possible | Restricted | Restricted |
| Non-resident foreign national | Strong restrictions apply | Only in limited designated tourist zones, subject to quotas and authorisation | Generally restricted |
| Foreign company or structure | Requires legal review | Requires legal review | Requires legal review |
This table is a general guide only. Individual review is required in all cases. Rules change and vary by canton.
Lex Koller (Bundesgesetz über den Erwerb von Grundstücken durch Personen im Ausland, BewG) is the Swiss federal law that regulates the acquisition of real estate by persons abroad. It applies to non-resident foreign nationals, certain permit holders and foreign-controlled structures.
Lex Koller analysis must be performed before any property transaction involving a foreign buyer. The analysis depends on the buyer's nationality, residence status, permit type, the property type and the canton.
Lex Koller explainedSwiss Private Group works with selected real estate professionals and, where required, coordinates with lawyers and notaries to clarify property acquisition rules before clients proceed.
For international clients considering Swiss property acquisition, we recommend establishing clarity on residence status, Lex Koller position and applicable cantonal rules before identifying specific properties.
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Important information
The information on this page is provided for general informational purposes only and does not constitute legal, tax, immigration, financial or investment advice. Swiss residence, residency, taxation and real estate acquisition rules may change and may vary depending on nationality, canton, permit status, personal circumstances, source of funds and intended property use. Clients should consult qualified Swiss professionals before making decisions. Swiss Private Group is not a law firm, tax advisory firm, fiduciary, bank, immigration agency or government authority. Where required, Swiss Private Group may coordinate introductions to independent qualified professionals.