{"id":81761,"date":"2025-09-15T10:31:19","date_gmt":"2025-09-15T08:31:19","guid":{"rendered":"https:\/\/anfina.ch\/?p=81761"},"modified":"2025-09-15T10:31:20","modified_gmt":"2025-09-15T08:31:20","slug":"surface-rights-baurecht-investing-in-land","status":"publish","type":"post","link":"https:\/\/anfina.ch\/en\/surface-rights-baurecht-investing-in-land\/","title":{"rendered":"The right of superficies"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Investing without owning the land: Baurecht changes the rules of the Swiss market<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"http:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-scaled.jpeg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"457\" src=\"http:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-1024x457.jpeg\" alt=\"Discover how Baurecht allows you to build without purchasing land and why it is revolutionising urban living in Switzerland in 2025.\" class=\"wp-image-81759\" srcset=\"https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-1024x457.jpeg 1024w, https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-300x134.jpeg 300w, https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-768x343.jpeg 768w, https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-150x67.jpeg 150w, https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-1536x686.jpeg 1536w, https:\/\/anfina.ch\/wp-content\/uploads\/2025\/09\/AdobeStock_626208487-2048x915.jpeg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div>\n\n\n<div style=\"height:44px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What is it and why is it becoming increasingly popular?<\/strong><\/h3>\n\n\n\n<p>In Switzerland, where land prices are among the highest in Europe, building rights (Baurecht) offer an alternative to traditional purchasing.<br>It is neither renting nor timeshare: it allows you to build on someone else&#8217;s land, paying an annual fee, usually for a period of between 30 and 99 years.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How does it work?<\/strong><\/h3>\n\n\n\n<p>Those who access Baurecht do not purchase the land, but obtain the exclusive right to build on it. In exchange, they pay an annual fee to the landowner, who is often a public body or foundation. This mechanism allows the landowner to maintain long-term control over the area, while the user can enjoy an independent, transferable and mortgageable real right.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Where is it most commonly used?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zurich: the municipality uses building rights to promote cooperative housing and student accommodation.<\/li>\n\n\n\n<li>Bern and Lausanne: numerous projects on municipal land with 60\u201399-year contracts.<\/li>\n\n\n\n<li>Canton Ticino: growing interest from public bodies and foundations in creating social housing.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Advantages<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Access to lower-cost housing: you don&#8217;t pay for the land, only the right to build, which reduces the initial price \u2014 particularly useful in cities with high prices.<\/li>\n\n\n\n<li>Tax deduction: the ground rent can be deducted for tax purposes in some cantons, reducing the tax burden.<\/li>\n\n\n\n<li>Promotes sustainable and social housing: municipalities and cooperatives can use Baurecht to develop affordable housing projects without permanently transferring ownership of the land.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Risks and limitations<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Decreasing value over time: the right has a limited duration (usually 30\u2013100 years), and when it expires, the property may revert to the landowner (a phenomenon known as \u201cHeimfall\u201d).<\/li>\n\n\n\n<li>Financing difficulties: many banks are reluctant to grant mortgages for properties under Baurecht or impose more restrictive conditions.<\/li>\n\n\n\n<li>Complexity in valuation and marketing: calculating the value of a property with Baurecht is complicated, and its resaleability may be limited.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h3>\n\n\n\n<p>Baurecht is a useful tool for accessing properties in central and expensive areas, but it is not suitable for everyone.<br>It requires careful technical and legal assessment, but for those looking at the long term or social projects, it can be a real opportunity.<br>Have you ever thought about buying without owning the land?<\/p>\n\n\n\n<p class=\"has-text-align-right\">Your anfina<\/p>\n<div class=\"casawp-legal__page casawp-legal__page--imprint\"><p>\n\t<strong>anfina immo ag<\/strong>\n\n\t\t<br>Flobotstrasse 3\n\n\n\t\t<br>8044 Z\u00fcrich\n\n\t\t<br>Schweiz\n<\/p>\n<p>\n\t\tPhone +41 43 541 23 60\n\t\t<br><a href=\"mailto:info@anfina.ch\">info@anfina.ch<\/a>\n\t\t<br><a href=\"http:\/\/www.anfina.ch\">http:\/\/www.anfina.ch<\/a>\n<\/p>\n\n\t<p><br>UID: CHE-196.432.915 MWST<\/p>\n<br>\n<p><strong>Realisation<\/strong><\/p>\n<p><strong>Casasoft AG<\/strong><br>\nThurgauerstrasse 36<br>\n8050 Z\u00fcrich<br>\n<a href=\"https:\/\/casasoft.ch\" target=\"_blank\">www.casasoft.ch<\/a><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Investing without owning the land: Baurecht changes the rules of the Swiss market What is it and why is it [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":81759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-81761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein-it"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - 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