Purchasing residential property in Switzerland as a foreign national is subject to legal restrictions under the Lex Koller. These rules are designed to prevent uncontrolled foreign ownership of Swiss land. Nevertheless, buying property is often possible, especially if certain requirements are met, such as holding a valid residence permit and using the property as a primary residence.

Who Can Buy Property in Switzerland?

Property Purchase Rules for Non-EU/EFTA Nationals

Non-EU/EFTA nationals may buy owner-occupied apartments or houses in Switzerland if their main residence is in the country.

• B permit (residence permit): Holders can purchase property for personal use under certain conditions.
• Authorities check that the property is actually used as the primary residence.
• Purchasing second homes or rental properties is generally not permitted.

This ensures that foreign buyers primarily contribute to owner-occupied housing rather than speculative investments.

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Requirements for Foreign Buyers at the Notary Appointment

When foreigner are buying property, the notary typically requires three proofs that the buyer’s main residence is in Switzerland. In addition to a passport and residence permit, the following documents are usually requested:

• Swiss travelcard (GA) or vehicle registration
• Health insurance card with AHV number
• Registration certificate from the current municipality (Wohnsitzbestätigung)

In Canton Zug, the notary appointment is conducted in German. Signatories must understand German well enough to follow the proceedings. Since the contract draft is provided beforehand, any questions can be clarified in advance and the parties can prapare themselfes for the appointment.

If a party does not speak German, they must be represented – in person or in absentia – by someone with sufficient German language skills.

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