Tag Archives: Flat

Neubau Progress: IV

After another month rolled around, we decided to visit the flat in November to check the progress. 

This is the view of our new street!

There wasn’t a lot of visible progress, but the french balconies had been put up in the bedrooms along with the shutters outside.

In the kitchen you could see the tubing for all the electricity and utilities.

Later in this very spot below, we’d find out that the builders forgot something rather big… there is a utilities shaft missing. AKA a big hole in the ground that should be there… but isn’t. But we were blissfully unaware at this point…

They had put in the tubing for our electrical outlets for the fridge, oven and sockets… but below they were still forgetting to install our extra sockets that we planned. We were not impressed. We emailed. We called. We wrote mean registered letters. They had better put our sockets in before they plaster and tile everything! Electricity setup was done ages ago and we were not impressed that after months of asking about it and being told it was being taken care of, the company STILL didn’t do anything.

And here you can at least see the green shutters from the outside. I think they make the building prettier and I’m excited that they are functional. 🙂

…and the view from the train tracks.

 

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Neubau Progress: III

Oh my… in October it was time to visit our flat again. Can’t believe I’m just sharing these now, but I have a bit of catching up to do in the next weeks before we move!!

By October not much was happening in the flat aside from some electrical wiring, fitting the tubes into the walls as well as putting in some kitchen venting. Here is the kitchen:

This is the venting in the kitchen. It was exciting to us at the time…

More haphazard wiring…

Living room looking to the entry door.

This is the living room next to the guest bath where we will have the light switches and control for the temperature, hence all the extra tubes. In case you haven’t noticed already, the wiring is a bit different than in the US. It is all stored in tubes so that when the wall is covered up you can pull out the wiring without redoing all the walls in the house. This was not the case in my parent’s addition that we saw in-progress during our visits to the States.

Here is the guest room.

And another view of the guest room to the windows.

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We have a mortgage!

By the time March rolled around, we decided it was time to figure out our mortgage once and for all. Our list of places that work with Americans despite FATCA requirements had grown smaller compared to last year, so we only had 4 banks to choose from compared to the 30+ that most Swiss have available to them.

Still, Kay went to all of them (ZKB, UBS, CS and a local bank Linth) and told them we wanted to see some offers for either 100% Libor mortgages or 100% 5 year fixed mortgages.

Unlike the US, 20-30 year mortgages don’t really exist here. The highest model offered to people is usually a 10 year fixed mortgage. As I’ve said before, the point of your mortgage is not to pay the whole house back by then. After 10 years, you simply have to refinance your mortgage for another 1-10 years, depending on your plans. If you would secure a 10 year mortgage, it is usually not in your interest to try to “sell off” the mortgage with the house. Unless interest rates have skyrocketed, a 10 year fixed rate is usually more than what buyers would be able to find on their own for the same amount of time left on your mortgage. Buying a place with a 30 year mortgage and then selling it off? Forget about it. It doesn’t work like that here.

Since we are coming to a crossroads in about five years, we do not want to be tied to the flat longer than that. Five year fixed rates are also MUCH cheaper than 10 year fixed rates, so that’s a bonus too.

Kay went back and forth between the banks and let the bankers battle it out… we were just interested in getting the best rate possible, which we made clear from the start! It came down to a very exciting hour as Kay was calling me telling me he’d had both guys on the phone and needed to call one of them back and make a decision…. soooo, we went with the small bank!

Bank Linth bent over backwards to meet our goals and they were very excited that we promised to move all our money over to them. I am a little sad to leave English online-banking and paperwork (ugh, German paperwork… ugh!) but it will be good for me. (Hopefully.) And the advisor at Bank Linth was really the nicest out of all the people we met with.

UBS? I was really disappointed. We have almost all our money with them now and then sent this stodgy old man to talk to us. He didn’t even try offering us a first-time buyers mortgage like ZKB did. And when he heard we had better offers than him, he just said “Oh, that’s too low! We can’t do anything about it.” Not really a salesman in my eyes. I’d much rather work with a small bank and receive the care and attention we deserve. (Ok, I think we deserve it…!)

Homebuyers, did you go for a big bank or somewhere local? How did you make the choice?

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How to Pass on Your Rental Lease

Normally in Switzerland you can only move out in April or September, so despite giving our rental agency 7 months notice before moving out… we were responsible for finding new tenants.

The agency told us that they would list our flat on one of the popular listing sites, but when we reached the typical 3 month mark before moving, our flat was still not online so I decided to make a fancy PDF to distribute among friends and family workplaces.

I made sure to highlight our address and set up a gmail account for the replies from the ad. We wrote all the important flat details in both German and English and I included lots of pretty pictures taken in the flat or from the balcony. I included some from when we were moving and the place was empty and some with furniture to give people a better sense of space.

I also took the time to measure out the entire flat and draw a floor plan so that people would know the approximate size and layout of the flat.

Thankfully we did have a fair amount of interest regarding the flat. So much that I set up two visitation days for people to come view the place…. which meant I had to clean pronto!

Kay was gone during the week before the visitation so I cleaned up the dining room, living area, laundry room… tidied my desk and then attacked my open wardrobe.

My wardrobe does not have space to have the doors because of the exposed beams in the room, so it was extra important that it be tidy. I took a few tips from my friend Jeannine over at Small Chic Home and took 1/5 the clothes out of the wardrobe and rearranged everything to look neutral (dark) in the drawer area to the left.

yes, I only ever keep pretty bags on my wardrobe shelves and I never stuff them full of clothes. Cough cough.

It’s pretty much the cleanest my wardrobe has ever looked!

With everything put in its place, the place looked great!

I took out the orchids from the bathroom where they live and placed them around the flat to add some greenery.

All our laundry was hidden away in the laundry room as well… usually it’s hanging out next to the balcony door up there.

And last but not least, I made Kay sweet rolls for breakfast on Monday and they just happened to come out of the oven right before the visitors arrived… (because I am evil like that.)

We did advertise the place as a 2 room (or 1 bedroom in US), but some people saw the floor plan I drew and really thought the laundry room could be a second bedroom, making the place a 3 room flat. Alas, the ceiling is all attic in that room and there is a big washer and dryer taking up a lot of room… not really a bedroom by any means!

But we did have people who loved the flat and wanted to apply right away. In the end, we were able to find a tenant to take the place over immediately after we move out so we can avoid paying double rent!

What kind of tactics do you use to get out of a lease on time?

Neubau Progress: Bathroom

After we signed for the flat we had to get down to business. Building was on a schedule and we needed to decide all of our customizations asap. Obviously the whole bathtub/shower switcheroo didn’t really work out like we wanted it to, but we could still change a few things in the bathrooms. We started out with drawings of the bathroom plans:

The guest bath above and the master bath below.

The architecture firm gave us a load of bathroom options online, but really we needed to head to Sanitas Troesch to “bemuster” or pick out all our customizations.

Since we couldn’t have a fancy bath, we went with the standard D-Code tub, but for the shower we upgraded the evil sliding doors to a solid glass wall on one side and a glass door on the other side. The thought was “Less moving parts, less mold”…

I was surprised again that we had to specify that we wanted a shower bar in the bathtub so that we could put the shower head high enough to shower. Um yeah, you didn’t let us swap the shower and the bathtub, but I still feel it is important to be able to actually shower in my damn master bath. Crazies.

If you’ll notice below lots of the pictures it says “kostenneutral”. This became a very common word in my German vocabulary because it means “cost neutral” and it meant those choices were included in the base price of the flat. Anything else had a price… and as we found out with the electric, everything would have a parts cost + labor + general contractor fee + builder’s tax + VAT tax on all that. Guh. But anyway, we were still going to make some changes!

It was a little scary though, because in Sanitas Troesch they gave us a million options and decisions to make and it was really easy to say “Let’s add this” here or there, not knowing what it would add up to. Some of the original picks were also no longer available because they were discontinued, so sadly sometimes we had to choose options that cost more that we didn’t even like as much (like our towel hooks, argh!)

It was nice seeing the fixtures in real life though. Kay really liked one of the more modern looking faucets that was cost neutral, but it had a very strange hinge attachment that I could foresee dirt/mold/soap scum collecting in and being a pain to clean. Everything I saw for the bathroom fixtures was being judged on my “cleanablity” scale. I do not want mold in our new flat! I convinced Kay that I didn’t want to be jamming q-tips up into the faucet handle to clean it, so we were going with the “boring” standard faucets. I think he’ll get over it.

Some bits were confusing too… Swiss have this thing about built-in soap dishes, cups, etc… that I find a bit strange, but they are in literally every house here. The sales man just sort of asked us what we wanted and where, but I kept wanting to know, “How much does that extra soap dish cost??” It was a bit stressful.

Toilets and sinks were an easy decision. We picked the prettier (rounder) cost neutral toilet. Not paying $2250 for that boxy toilet up there. And while I’m not necessarily in love with our double sink style, I also didn’t want to pay thousands to upgrade that either.

Our “chosen sink” came with a pretty naff cabinet underneath. Check that out? What is that space for?? Gathering dust? I wasn’t having that. Knowing me, I’d squish tissue boxes and bath supplies in there and it would totally ruin the clean, tidy look I’m hoping we’ll have in the bathroom. Not to mention, it would be a bitch to clean around those sinks. No, no this was not the cabinet for us.

Since we were picking everything out in as much detail as we wished, we were able to look through Sanita’s catalogue and I decided I wanted to go for a more traditional type of cabinet, while Kay was sad not to have more modern ones. The big drawers above seemed like they would be a pain to organize and I really wanted more drawers and some traditional hinge cabinets, so we came up with the option below. I just wanted everything to be practical!

But after we signed for everything, Sanitas came back and told us the cabinets above would be impossible with our double sink because the drawers would run into the faucets in the middle. We could change it slightly and put drawers in the middle and cabinets on the outside or all flat cabinets, but it ruined my idea of splitting up drawers between Kay and myself, so we said “screw it” and went with the original giant drawer below:

And honestly, I can’t really remember if it is the one above or if it will really have two drawers… the decision came after the bathroom contract and it’s been so long since we decided everything that I’m afraid when we check the finished flat, we’ll have forgotten what we even chose if we don’t have the proper documentation for it. I’m only left with the plans that still include the cabinet and drawer combo above. (Things like this keep me up at night…)

For the half bath, we were surprised to learn that it didn’t come with an under sink cabinet at all. That just wouldn’t do. I mean, I plan on putting toilet paper and crap for guests under there. And tampons. You know, IMPORTANT stuff.

We went with a simple two door cabinet because they don’t make the gianormous drawer cabinets in this width. I am happy.

I am even happy with our giant drawer. I was unsure how I felt about it when we first decided everything, but now I think it will be nice an streamlined and hopefully not too hard to organize…

Along with the master bath and guest bath we were surprised to learn this was when we had to pick out our basement cellar sink for the wash room. A small dinky sink came with the flat price, but we upgraded it a tad (at least I think we did…!) bigger sink. Kay convinced me that we don’t need a crazy laundry sink with ridges for scrubbing, because let’s be honest… how often do I hand wash things?

After a few rounds, all the bathrooms were sorted and we were on to bigger, bolder decisions.

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