Valuing property through data

Most mortgages in Switzerland are now valued using hedonic models — algorithms that estimate price based on property features and recent comparable transactions. IAZI updates its models quarterly, based on data provided by banks, making valuations faster, cheaper, and highly consistent across the market.

Investment property is back

After a slowdown linked to higher rates, the institutional market has rebounded. Lower financing costs in 2024 brought investors back to residential rental assets, while office space still faces pressure from hybrid work and higher vacancy rates.

Demand up, supply stuck

Switzerland continues to welcome around 80,000 new residents each year, while new construction faces heavy regulation and long approval times. This imbalance keeps prices resilient despite tighter financing conditions.

The political factor

Future risks are increasingly political:

• New proposals for rent control and public preemption rights in several cantons.
• Pressure to limit immigration, which could reduce both demand and labor supply.
  Combined with global uncertainties and potential interest rate swings, these forces could reshape the market.

Buying a home today

For private buyers, the message is simple: if you can afford it, buy for use, not speculation. Land remains scarce, and demand for well-located housing stays strong — even as buyers move further from city centers in search of affordability.

In short

• Swiss property valuations are now data-driven and updated quarterly.
• Institutional investors are returning to residential assets; offices remain fragile.
• Limited supply and steady immigration keep prices firm.
• Political shifts could become the main market risk.
• For homeowners, affordability and long-term use matter more than timing.

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