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    Wie erzählen wir das jüngere Generationen?

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    1. predictivanalyte on

      There is a big bubble up for popping, so prepare for war, younger generation.

    2. Electrical-River-992 on

      It is a sad truth, but we must accept that:

      – we can’t push the mountains away to create more flatland.
      – we have voted YES to preventing the agricultural coutryside from being eaten away by new building plots (which is a good thing)

      So in short, the age of « affordable » house-buying is pretty much over.

      EDIT: I am NOT a homeowner myself

    3. Gwendolan on

      Interestingly, were we are at home (lake of Zurich region) we even can’t afford buying a house for our family with a top 5% household income… It’s all just about capital and inheritance, no chance earning the money you need for a single family house even with good careers (let alone at an age at which it would be interesting for raising your kids in it).

    4. Rare_Suspect1472 on

      Wtf is that last statement from the ubs guy? If you look only at people who can afford a home it looks less dramatic? Am I understanding something wrong?

    5. Allesmoeglichee on

      It’s artificial limitation of land, there is plenty of agricultural land that would be suitable for rezoning. Sadly I don’t see that happening any time soon

    8. aphex2000 on

      different view point and a controversial opinion, but the idea/dream/goal that everyone has to start a family, pop out a few kids and move into a single family home is outdated and has always had a deadline looming, it’s only becoming more visible now. this idea does not scale, period.

      it is also increasingly unfair, as the more private ownership you have, the more inefficient allocation to living space you get, esp in a small country with even smaller usable residential area – grandma alone in her 3 story house, lucky artist kid with no income inheriting that house a few years later thanks to the genetic lottery, etc.

      i rather have large, tall (yes, revise those zoning laws) buildings owned by pensions funds and other institutional investors and keep a renters market because it makes the allocation more efficient and everyone profits from the appreciating assets instead of just a few and combats things like NIMBYism

    9. simple_jack_69 on

      How many home owners actually bought the property vs inherited it? Oldest son always gets the farm…

    10. HubaBubaAruba on

      Don’t buy houses here. If you want a house, move out. Vote for legislation that hits the most egregious space-wasting owners (higher property tax, tax on low density housing), so that owning becomes less lucrative. Pay for construction with public money and make these apartments available for low rent as an alternative to owning.

      Or keep things the way they are, but shut up about it. If you don’t want change don’t fucking complain, OK?

    11. MeatInteresting1090 on

      Is this actually a problem though? It’s not a given that property ownership in Switzerland is going to result in capital gains, and the rental market is well regulated. Why does everyone need to own property?

    12. TrollandDumpf on

      What’s the definition of top earner? 
      I guess only properties in the region people are already living in are considered?

    13. hellbanan on

      The area of Switzerland is divided as follows: 30% agricultural, 30% forests, 30% bodies of water, glaciers, and rocks, 6 % building zones, and the rest is rounding error (or I forgot if agriculture is 30 %, 31 %, etc.). Some people managed to convince the voters of a narrative that „the whole of Switzerland will be covered in concrete if we do not limit building zones“ and that we need the agriculture land for „selbstversorgung“. These people (mostly boomers) have become the richest generation in Swiss history by owning an asset class with artificially limited supply.

      If 6 % is a lot or not is up to you to decide.

    14. Schoseff on

      I’m middle aged (40+), have a good job and cant afford buying… so no need to explain to my kids, they see it with us.
      All my friends who are owners (besides the bank part), have double incomes and/or major inheritances. 3 of my cousins just sold all their parents left them for over 10m… and their parents already bought each of them an apartment while they were still alive. Same for 3 other of my cousins… but I am the only one with a university degree and a high paying job… pretty frustrating.

    15. Technical_Leader8250 on

      Add a new tax (something crazy like 5% of value if building) on flats/houses rented out. A lot of landlords might be motivated to sell their flats. Owning to rent should be marginally profitable endevour

    16. Grand_Dadais on

      Well, that’s the logical consequence in a ponzi schemed economy.

      A ponzi schemed system that built itself around easily extractible and cheap oil. We’re leaving that era of cheap energy and more and more people are feeling it.

      Just hypnotize yourself with the idea that we’re doing a transition of energy (instead of accumulation) and then you can believe that we’ll „switch“ to hydrogen soon and it’ll be all dandy ! :]

    18. Funenjoyer93 on

      at my age (early 30) my father was solo feeding a family of 5, house with huge garden, 2 cars, we went every year 2 week skiing 2 week summer holiday flying somewhere, dog and cat blabla and hasnt had the need and pressure to go to uni and do 500billion diplomas to make a career in It sales.

      swiss population exploded and yet we have ancient laws and are bulding like nothing changed in the past 20years to the benefit of boomer property owners

    20. Suspicious_Place1270 on

      And I had to argue about the median ibcome being the wrong measurement for wealth lol
      Now this guy say exactly that and I ask myself if people really understand statistics bias

    21. fistyeshyx9999 on

      i agree it should be easier, but ownership is Not a Right.

      talking about future generation, reclaiming agricultural land for building goes exactly against the future generation

      Again I agree it should be easier than it is today but it is not a right and as they say in German “Jeder ist sein Glückes Schmiedes“

      we don’t live in a egalitarian society but a capitalistic one so…

    22. Almatech on

      It’s a joke.
      The average salary in the Lake Geneva area is 12,000F for a couple, 144,000F per year.
      If you start by building up capital by saving 20%, that’s 28,000F per year.
      In 10 years you have 280,000 F in savings without counting the return on savings. More than 330,000F with a low annual interest of 4%.
      You buy an apartment of 120 m2 for 750,000F with a deposit of 330,000F and a loan of 320,000F over 10 years.
      You have to behave like an adult and save for 10 years to access property. Obviously, if we are not able to save, we must forget.

    23. AutomaticAccount6832 on

      The people voted several times for uncontrolled migration. Threatened with wealth decline and promised economic growth coming if they vote against.

      Turns out that may be true in total figures but for the normal person it means having to share the cake with more people. Harder to get a good jobs and houses. Raised price levels and competition by these „super educated“. Now they start to build bubbles that favour themselves.

      Could it be that wealth and economic stagnation would have benefited the individual more?

    24. Suspicious_Place1270 on

      Time for an inheritance tax, 50 million cap for tax free is a great start, 10 million would be my preferred limit. Because nobody is sad about getting 10 million for free and anything more is a nice extra. Even with a tax rate of 50% on anything above these thresholds yields the ones inheriting a lot for no work.

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