{"id":3158,"date":"2025-10-17T10:22:25","date_gmt":"2025-10-17T10:22:25","guid":{"rendered":"https:\/\/plus-group.ch\/to-rent-or-to-buy-a-significant-question\/"},"modified":"2025-11-14T08:16:19","modified_gmt":"2025-11-14T08:16:19","slug":"to-rent-or-to-buy-a-significant-question","status":"publish","type":"post","link":"https:\/\/plus-group.ch\/en\/to-rent-or-to-buy-a-significant-question\/","title":{"rendered":"Should You Rent or Buy? Here\u2019s How to Decide"},"content":{"rendered":"\n
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Many are called, few are chosen<\/h2>\n\n\n\n

Beyond the highly volatile nature of mortgage rates, it is also important to consider the framework in place for those looking to become homeowners. Equity requirements remain high, and banks scrutinise financing applications thoroughly before granting approval. As a result, after several decades of uninterrupted growth, homeownership rates have been declining since 2015. It is therefore unsurprising that Switzerland has a lower proportion of homeowners than many of its European neighbours (36%, compared with nearly 58% in France). <\/p>\n<\/div>\n<\/div>\n\n

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Falling rates tip the balance once again<\/h2>\n\n\n\n

With the risk of inflation now seemingly receding, central banks are successively lowering their key interest rates. Renting, which had appeared to be the more financially advantageous option, is therefore losing some of its appeal compared to buying. Mortgages are becoming affordable once again, and aspiring homeowners are slowly returning to the market. At the same time, rents have soared, prompting increasing numbers of tenants to seriously consider purchasing a property. The tide seems to be turning in favour of homeownership\u2026 <\/p>\n<\/div>\n\n\n\n

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A major investment and a personal milestone<\/h2>\n\n\n\n

With more attractive rates, potential tax savings, and a reduced housing budget, conditions once again appear favourable for purchasing property. However, personal considerations must also be taken into account before making this significant decision. Are you ready to settle in one place, or do you need more freedom and flexibility? Is it the right moment to use part of your pension or savings to undertake such a project? With a 360\u00b0 overview of your personal situation, a Groupe Plus expert can guide you towards the strategy that best serves your interests. <\/p>\n<\/div>\n<\/div>\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

In the favourable era of low interest rates, owning a home was often more advantageous than renting. However, recent fluctuations in interest rates have dampened the appetite for buying in a country where only 36% of households are homeowners. Yet things are beginning to change\u2026 <\/p>\n","protected":false},"author":1,"featured_media":3159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[42],"tags":[],"class_list":["post-3158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plus-real-estate-financing"],"acf":[],"yoast_head":"\nShould You Rent or Buy? 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