FAQ

Frequently asked questions

Everything owners want to know before selling or letting.

Honest answers to the questions owners in Basel-Country ask us most often – about costs, process, notary, taxes, documents and tenancy law. Your question missing? Give us a call.
Costs & commission

What you pay at ImmoBilà – and what you don’t.

What does selling through ImmoBilà cost me?

A commission from 1 % of the sale price – only on success.

  • Valuation, photos, documentation, listings, viewings: included
  • No advance payment, no flat fee if unsuccessful
  • For comparison: 2–3 % plus VAT is usual
When and how do I pay the commission?

Only after the sale.

  • Due after notarisation at the notary
  • Usually settled via the notary’s payment of the purchase price
  • No sale – no commission
What does letting cost?

One month’s rent (net rent).

  • Only due once the lease is signed
  • Listings, viewings and credit checks included
  • No tenant – no fees
What does the valuation cost?

Nothing. The on-site valuation is free and without obligation – afterwards you decide freely whether and with whom to sell.

What other costs arise when selling?

Besides the commission, in Basel-Country expect:

  • Notary (purchase contract, notarisation): CHF 800 – 2,500 depending on effort, plus VAT
  • Land registry fee: approx. CHF 300
  • Transfer tax: 1.25 % for the seller (1.25 % for the buyer)
  • Property gains tax: only if there is a gain, see ‘Taxes’
  • Possibly cancellation of the mortgage note and early repayment penalty for a fixed-rate mortgage
Do I have to commit to a long contract?

No.

  • Mandate with no upfront costs, duration and terms in writing
  • A brokerage contract can be terminated at any time
  • Commission only if the sale is concluded with a buyer we introduced
Process, notary & contract

How does the sale work?

How does a house sale work?

In seven steps – we support you through each one:

  • Free on-site valuation
  • Mandate and documents
  • Marketing: photos, documentation, listings
  • Viewings and negotiation
  • Reservation agreement + buyer’s financing confirmation
  • Notarisation
  • Land register entry and payout
How long does a sale take in Basel-Country?

With the right price 3 to 4 months:

  • Marketing: 6–10 weeks
  • Reservation and purchase contract: 2–3 weeks
  • Notarisation and land register: 3–6 weeks

Too high a price prolongs everything.

Who draws up the purchase contract?

A notary in Basel-Country (independent, with state authorisation to notarise).

  • Land purchases must be notarised – a private contract is void
  • We provide the notary with all the details and documents
  • We coordinate the appointment with both parties
What happens at the notary appointment?

The contract is signed and notarised.

  • Seller and buyer sign before the notary
  • The buyer presents an irrevocable payment undertaking from their bank
  • The notary registers the transfer of ownership with the land registry in Arlesheim
When do I get the money?

After the land register entry – usually 2–4 weeks after notarisation.

  • Part may be withheld by the notary until the property gains tax has been assessed
What is a reservation agreement?

A written declaration of intent between you and the buyer.

  • Deposit usually 1–2 % of the purchase price
  • Secures the phase up to the notary appointment
  • Only the notarised purchase contract is legally binding; flat-rate contractual penalties are ineffective
When do benefits and risks transfer?

Usually with the land register entry or the agreed transfer of possession.

  • From then on the buyer bears costs and risks
  • Insurance, mortgage interest and running costs are settled as of the cut-off date
Can I sell my house while I still live in it?

Yes – that is the normal case.

  • Viewings by arrangement
  • Moving out and handover are set out in the purchase contract
  • A later handover date is negotiable
Documents

Which documents do I need?

Which documents do I need for the sale?

For every property:

  • Current land register extract
  • Building insurance certificate (BGV)
  • Floor and cadastral plans, building permits
  • Running cost statements, existing mortgage notes
  • For condominiums: deed of constitution, regulations, minutes, renovation fund
  • For let properties: leases

Whatever is missing, we obtain for you.

Where do I get a land register extract?

From the Basel-Country land registry in Arlesheim – can be ordered online. As part of the mandate we take care of it for you.

Do I need an energy certificate (GEAK)?

In Basel-Country the GEAK for a sale is voluntary.

  • Mandatory only in FR, VD, NE and JU
  • For older houses it strengthens buyers’ confidence
  • Cost approx. CHF 450 – 750
My oil heating is old – is that a problem when selling?

Since 1.1.2026 new rules apply in Basel-Country.

  • A defective fossil-fuel heating system or a burner over 15 years old must be replaced with a renewable system
  • Buyers factor in these costs
  • We advise you on whether replacing it before the sale makes sense
What about the mortgage note?

It is dealt with in the purchase contract.

  • Usually transferred to the buyer; a new issue costs CHF 350 – 1,500
  • Your mortgage is repaid from the purchase price
  • For fixed-rate mortgages: ask the bank about the early repayment penalty beforehand
Taxes

What taxes do I pay?

What is property gains tax?

The tax on the gain on sale: sale price minus investment costs.

  • Investment costs = purchase price + value-adding investments + commission + notary
  • Basel-Country rate: 3 % to 25 %; from CHF 120,000 gain a flat rate 25 %
  • Surcharge for ownership under 5 years, deduction for long owner-occupation (from the 21st year)
Can I avoid property gains tax?

Deferring, yes:

  • Replacement purchase: buy another owner-occupied home in Switzerland within 2 years
  • Inheritance and gifts: also deferred
  • Documented investments reduce the gain – keep the invoices
What is the transfer tax?

A tax on the change of ownership: 1,25 % of the purchase price each for seller and buyer.

  • Buyer exempt if they live in the property permanently
  • Seller exempt if they invest the proceeds within 2 years in a replacement property with the same use
An example, please.

House bought in 2010 for CHF 700,000, sold in 2026 for CHF 1,000,000, without major investments:

  • Gain after indexation, commission and notary: around CHF 240,000
  • Property gains tax: around CHF 60,000
  • Transfer tax seller: CHF 12,500
  • With a replacement purchase: both deferred or exempt

We work out your specific case before the sale.

Do you also do tax returns for property owners?

Yes – Roman Frey, our financial adviser and property fiduciary, takes care of that.

  • Imputed rental value, flat-rate or actual maintenance deductions
  • Mortgage interest, energy-saving measures
  • Let properties, property gains tax return
I have inherited – what now?

The inheritance itself does not trigger property gains tax (deferral).

  • We value the property for the division of the estate
  • We support the community of heirs neutrally
  • Sale or takeover by one heir – both possible
Letting

Questions about letting.

How high can I set the rent?

In line with the market and without an excessive yield.

  • Permissible net yield per the Federal Supreme Court: reference rate + 2 % (currently 1.25 % + 2 %)
  • Tenants can challenge the initial rent within 30 days
  • We calculate and document the rent
What is the reference interest rate?

The average mortgage rate published quarterly by the Confederation – as of September 2026: 1,25 %.

  • Determines when rents may be lowered or raised
  • Feeds into the calculation of the permissible rent
Is there a mandatory form for the initial rent in Basel-Country?

No. Unlike in Basel-City, Zurich or Bern, the previous rent does not have to be disclosed on an official form in Basel-Country. We still recommend transparency.

How do you vet the tenants?

With four documents:

  • Debt enforcement register extract (no older than 3 months)
  • Proof of salary or employer confirmation
  • References from the previous landlord
  • Proof of liability insurance

Rule of thumb: rent at most one third of net income.

How high can the rental deposit be?

At most three months’ rent (Art. 257e CO), in a blocked account in the tenant’s name.

What belongs in the lease?

The key points:

  • Parties, property, start of tenancy
  • Net rent and running costs (only what is expressly listed)
  • Deposit, notice periods and dates
  • House rules, handover report

We use vetted templates under the Swiss Code of Obligations.

Do you also let new builds off-plan?

Yes. We start the first letting several months before move-in.

  • Visualisations and floor plans
  • Rent calculation
  • Viewings on the construction site
Valuation & market

What is my property worth?

How is my property valued?

Depending on the property with the appropriate method – plus an on-site viewing.

  • Hedonic: single-family houses and owner-occupied flats – comparison with thousands of transactions, as banks do
  • Real value: special properties – land plus current building value
  • Income value: apartment buildings and commercial
What is the difference between market value, tax value and insurance value?

Three values, three purposes:

  • Market value: the price a buyer pays today – counts when selling
  • Tax value: cantonal assessment basis, usually significantly lower
  • Building insurance value: replacement value of the building, excluding land
What are current prices in Basel-Country?

Asking prices in Liestal and surroundings 2026:

  • Single-family houses: around CHF 7,700 – 8,000 per m²
  • Owner-occupied flats: around CHF 8,500 – 9,600 per m²
  • Cantonal vacancy rate: 0.6 % – good properties are in demand
Should I renovate before selling?

Usually not much.

  • Tidying, painting, tending the garden, fixing broken details – that brings more than expensive renovations
  • You rarely recover renovation costs when selling
  • At the valuation we tell you what is worthwhile
Financing

Questions about financing.

How much equity does a buyer need?

At least 20 % of the purchase price.

  • Up to half (10 %) may come from the pension fund – early withdrawal or pledge
  • The other 10 % must be ‘hard’ equity: savings, pillar 3a, advance inheritance, gift
  • Affordability: housing costs at most one third of gross income (calculated with 5 % interest, 1 % maintenance, repayment)

That is why we ask buyers for a financing confirmation early on.

How high are mortgage rates in 2026?

Depending on term and bank:

  • Fixed-rate mortgages: around 1.4 % to 2.1 %
  • SARON mortgages: below that

The mortgage calculator on the Financial advice page shows you the monthly costs.

What happens to my current mortgage when I sell?

It is repaid from the purchase price.

  • For fixed-rate mortgages the bank usually charges an early repayment penalty
  • Ask for the amount early
  • Alternative: the buyer takes over the mortgage

Your question wasn’t there?

Call or write to us – reply within 24 hours.

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Contact

Let’s talk about your property.

Call or write to us – reply within 24 hours.

ImmoBilà GmbH · Schneckelerstrasse 1, 4414 Füllinsdorf
info@immobila.swiss · Mon–Fri 8:00–12:00, 13:30–17:30

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