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Real estate marketing & real estate brokerage
Property valuation & search request
Marinova Real Estate
Your trustworthy and professional partner for real estate marketing and real estate brokerage
Marinova Immobilien is your competent real estate agency, based in the heart of Zurich and with an additional office in Croatia. With years of experience and a deep understanding of the real estate market, we offer you a comprehensive service that showcases your property in the best possible light and achieves optimal results. Our approach combines traditional methods with innovative marketing strategies to ensure every property receives the attention it deserves.
We understand that every property is unique and tailor our strategies to highlight its individual characteristics and value. From accurate appraisals and compelling listings to leveraging multiple platforms and social media, we utilize every available resource to effectively present your property and reach the right target audience. Our goal is to make the sales process as smooth and profitable as possible.
Let's take the next step together and successfully sell and market your property. Contact us for a personalized consultation and learn how we can maximize the value of your property.
Our services
Free consultation
We offer a free on-site consultation to understand your real estate requirements and develop customized solutions that meet your needs.
Search request
With our search request service, we make your property search simple and efficient. Whether you're looking for a new home, an investment property, or a commercial property, we'll help you find the right property.
Real estate valuation
Would you like to know the exact value of your property?
We offer comprehensive valuations for residential and commercial properties. As experts, we analyze all relevant factors to determine a realistic market value.
sale
Our goal is to make the process of selling your property as smooth and profitable as possible.
A well-planned and professionally executed real estate sale maximizes sales proceeds and minimizes risks.
Top customer service
Our award-winning customer service ensures your experience with Marinova Real Estate is smooth and satisfying. We pride ourselves on providing our clients with first-class service.
Successfully sold properties
How do I finance my dream property?
1
Equity capital
How much equity do I need?
Let's assume you've found your dream home. Price: 1 million francs. Anyone who buys a property must put down 20 percent of the purchase price. A maximum of 80 percent of the property's estimated value can be borrowed. For example, if the house is valued at 1 million francs, you need 200,000 francs in equity.
What counts as equity?
At least 10 percent of the purchase price must be self-financed with liquid assets. This includes savings, securities, third-pillar savings, or inheritance benefits. As long as you live in the property yourself, you can also finance the remaining equity with funds from your pension fund.
2
pension fund
How can I withdraw pension fund funds?
If you would like to access funds from your pension fund, you can do so either as an early withdrawal or as a pledge – with different consequences.
If you withdraw capital from the second pillar, the pension fund will reduce your retirement benefits and possibly also your risk benefits. This can lead to significant income gaps. You will be subject to tax on the capital paid out.
However, if you pledge the capital to the lender, your benefits will not be reduced. You can also deduct higher interest payments from your income.
Contact your pension fund early if you want to withdraw funds from it for home ownership.
3
Mortgages
What types of mortgages are there?
A mortgage is a loan that you can use in addition to your equity to purchase a property. Financing partners can provide up to 80 percent of the property's value in the form of two mortgages:
1. Mortgage: Up to 67 percent of the loan-to-value ratio. This does not have to be repaid.
2. Mortgage: Covers the remaining portion up to 80 percent and must usually be repaid (amortized) within 15 years.
Mortgage interest is charged on both mortgages.
What mortgage models are available in Switzerland?
Fixed-rate mortgage: Fixed term and fixed interest rate, ideal for long-term planning security.
Variable-rate mortgage: Flexible term with interest rates that adjust to the capital market.
Money market mortgage: Usually with a term of 3 to 5 years; the interest rate is usually based on the SARON (Swiss Average Rate Overnight), which is based on real transactions.
What our customers say
Claudia Küng
From the initial contact to the completion of the sale, the service was first-class. The team took care of everything, from creating an attractive property description to arranging viewing appointments. I always felt well informed and knew my property was in good hands.
Rolf Richner
I highly recommend this fantastic service. The team was always professional, reliable, and dedicated. Not only did they achieve an excellent price for my property, but they also ensured the entire process was stress-free and straightforward.
Many many thanks!
Martin Schneider
Working with Marinova Immobilien was a consistently positive experience. They took the time to understand my needs and expectations. Their market knowledge and ability to identify and approach potential buyers were particularly noteworthy.
Sabine Wolf
Marinova Immobilien not only achieved an excellent price for my property, but also ensured that the entire process ran smoothly and stress-free. Their professionalism and dedication are truly remarkable. Thank you for your cooperation.