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Environnement résidentiel au coeur d'Anières., Attic flat

Price upon request

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Exceptional penthouse with terraces and lake view in Anières (GE)

Price upon request

GE - Environnement résidentiel au coeur d'Anières., Anières

Exceptional
~ 351 m²
7
4
4
Under the roof

Description

Our Geneva real estate agency, CI-Léman SA, is delighted to present an exceptional property combining elegance, comfort and lake views at the gateway to Geneva.


In the sought-after commune of Anières, set in peaceful, verdant surroundings, this rare penthouse apartment combines luxury, generous volumes and top-of-the-range amenities.

Located in the immediate vicinity of the lake and all amenities, it offers an ideal living environment for those in search of refinement and serenity.


PROPERTY DESCRIPTION:

  • Living area: approx. 350 m²
  • Terraces: vast outdoor spaces with unobstructed views over the rooftops of the village the Lake and the Jura.
  • Rooms: 7 spacious rooms.

  • Kitchen: vast open kitchen with central island, communicating in a confidential passageway with a storage area and private laundry.

  • Living room: huge living room with fireplace, in direct communication with a large balcony enjoying lake views.

  • Bedrooms : total of 4 bedrooms, all with en-suite shower rooms including a sumptuous master, with dressing room, full bathroom (bath, shower, WC) and hammam with starry sky.
  • Annexes : 2 large cellars in the basement and private laundry room.

Parking : 2 spaces in the basement.

  • Access : elevator with direct access to the apartment.


UPPER RANGE FEATURES:

  • Beautiful high ceilings with exposed beams.

Luminous living room with fully equipped open kitchen.

  • Noble materials and contemporary finishes.
  • Home automation system for intelligent control of lighting, heating and sound.
  • The apartment is fully air-conditioned.

HIFI system integrated throughout the apartment.

  • Alarm and reinforced security.
  • Solid parquet flooring and refined interior atmosphere.


PRIVILEGED LIVING ENVIRONMENT:

  • Quiet residential neighborhood, a stone's throw from the shores of Lake Geneva.
  • Immediate proximity to schools, shops and transport.
  • Open views and unspoilt village atmosphere.


With its spacious living areas, top-of-the-range features and modern amenities, this apartment is the perfect place to welcome family and friends in a convivial setting.

 

***IMPORTANT***
At the request of our principals, the financial capacity of our clients will have to be validated before any physical visit of this object.

Remotely and commented by your dedicated agent, we reserve for you a immersive 360° visit which will allow you to immerse yourself in the premises.

For further information, please contact our real estate agents directly.

 


Details

Neighbourhood
  • Village
  • Villa area
  • Green
  • Mountains
  • Lake
  • Vineyard
  • Residential area
  • Shops/Stores
  • Post office
  • Restaurant(s)
  • Bus stop
  • Child-friendly
  • Preschool
  • Primary school
  • Horse riding area
  • Tennis centre
Outside conveniences
  • Balcony/ies
  • Terrace/s
  • Quiet
  • Fence
  • Covered parking space(s)
  • Public parking
Inside conveniences
  • Lift/elevator
  • Underground car park
  • Open kitchen
  • Guests lavatory
  • Separated lavatory
  • Pantry
  • Cellar
  • Sauna
  • Hammam
  • Unfurnished
  • Built-in closet
  • Air conditioning
  • Connected thermostat
  • Fireplace
  • Double glazing
  • Skylights
  • Bright/sunny
  • With front and rear view
  • Natural light
  • Penthouse
  • With character
  • Timber frame
Equipment
  • Fitted kitchen
  • Kitchen island
  • Connections for washing tower
  • Shower
  • Bath
  • Optic fiber
  • Electric blind
  • Alarm
  • Interphone
  • Code door
  • Videophone
  • Armoured door
  • Electric garage door
  • Outdoor lighting
  • Home automation
Floor
  • Tiles
  • Parquet floor
Condition
  • Very good
Orientation
  • East
  • West
Exposure
  • Optimal
  • All day
View
  • Nice view
  • Clear
  • With an open outlook
  • Lake
  • Jura
Style
  • Modern

Distances

 
Public transports
130 m
2'
2'
1'
Primary school
210 m
4'
4'
1'
Stores
130 m
2'
2'
1'
Restaurants
90 m
1'
1'
-

Votre nouvelle vie dans ce quartier

Businesses
& services
Restaurants
& Bars
Shopping
Schools
Sports
Activities
transport network
health

Your financing

  • CHF i

    Votre prix d’achat n’inclut pas les éventuels frais annexes à l’acquisition immobilière.

  • CHF i

    Capitaux personnels dont vous disposez pour financer votre achat immobilier: épargne, donation, héritage, capitaux de prévoyance 2è et 3è pilier. Les avoirs de prévoyance 2è et 3è pilier ne sont utilisables que dans le cadre de l’acquisition de votre résidence principale. Cela ne comprend pas les éventuels frais annexes à l’acquisition immobilière (frais de notaire, divers impôts sur les retraits des avoirs de prévoyance, etc.).

    Les fonds propres minimaux requis par les établissements financiers sont généralement de 20% du prix d’achat.

  • CHF i

    Vos revenus bruts annuels fixes, avant déductions sociales. Il est possible également de prendre en compte d’autres revenus réguliers ou une activité professionnelle accessoire. Pour les revenus annuels variables, la prise en considération de ceux-ci varie en fonction de l’établissement financier.

Result

  • CHF i

    L’hypothèque de 1er rang représente les 66% premiers pourcents du prix d’achat. Cette hypothèque n’est pas, en principe, sujette à un remboursement annuel. Si vous êtes proche de l’âge de la retraite ou si vous avez déjà atteint l’âge légal de la retraite, les établissements financiers pourront vous proposer uniquement une hypothèque de 66% du prix d’achat au maximum.

  • CHF i

    L’hypothèque de 2è rang représente le montant de crédit excédant les premiers 66% de financement. Cette hypothèque de 2ème rang sera sujette à un remboursement annuel : en 15 ans maximum ou avant l’âge légal de la retraite.

  • CHF i

    Le montant de financement escompté, qui provient de la différence entre le prix d’achat et vos fonds propres.

  • i

    La valeur de votre hypothèque en pourcentage par rapport au prix d’achat. La valeur maximum de votre hypothèque ne doit pas dépasser 80% du prix d’achat.

    Dans certains cas spécifiques, la valeur maximum de votre hypothèque en pourcentage peut être diminuée en fonction de l’établissement financier (par exemple, si votre bien immobilier est considéré comme objet d’amateur, de luxe ou de vacances). Pour un particulier étant arrivé à l’âge légal de la retraite, les établissements financiers ne proposent généralement pas d’hypothèques supérieures à 66% du prix d’achat.

  • i

    Votre capacité de financement ou tenue des charges. Cette dernière est la comparaison entre vos revenus bruts et les charges annuelles théoriques liées au bien immobilier. Par défaut, le calculateur applique un taux théorique de 5% qui correspond au taux général utilisé dans tous les établissements financiers pour calculer votre capacité d’endettement. Ce pourcentage ne doit généralement pas excéder le tiers de vos revenus bruts annuels.

    Les charges annuelles théoriques sont composées des champs suivants :
    Montant de votre hypothèque multiplié par un taux théorique de 5%.
    Remboursement annuel, correspondant au remboursement de l’hypothèque de 2ème rang en 15 ans maximum ou avant l’âge légal de la retraite
    Charges d’entretien annuelles: 1% du prix d’achat

  • %
  • monthly annual
  • CHF CHF i

    Montant du prêt multiplié par le taux d’intérêt

  • CHF CHF i

    Hypothèque de 2ème rang remboursée en 15 ans maximum ou avant l’âge légal de la retraite.

  • CHF CHF i

    Prix d’achat multiplié par 1%

  • CHF CHF i

    Vos charges annuelles estimées après acquisition de votre bien immobilier.

EQUITY

EQUITY

Equity is the money you will contribute to the purchase of a property in Switzerland.

In general, the mortgage loan granted by financial institutions is 80% at most; 20% of the purchase price must therefore be supplemented by your own funds: your savings, your investments, your bank or insurance 3rd pillar, your pension fund (2nd pillar), a gift or advance on inheritance, a loan from a third party or a building plot.

Since 1 July 2012, it has been mandatory to bring in at least 10% of your own funds that do not come from your pension fund or a loan from a third party.

PROPERTY TAXATION

PROPERTY TAXATION

There are different categories of property taxation when you become a homeowner:

  •  Wealth tax: The tax value of your property will be added to your assets. However, you can deduct the capital value of your mortgage.

  • Income tax: When you buy a primary residence, the tax authorities will calculate a rental value and add it to your annual income. However, you will be able to deduct the annual mortgage interest and maintenance costs of your home. The tax value and the rental value generally have an annual tax allowance that differs from canton to canton.

  • Supplementary property tax: This cantonal tax, which is payable annually, is generally calculated as a ‘per thousand’ of the tax value of your property. This does not take into account the annual tax value allowance or the capital deduction for the mortgage amount. If your property has a high energy performance or very high energy performance (Minergie) label, it is possible to apply for an exemption from supplementary tax in some cantons.

SECOND PILLAR

SECOND PILLAR

The 2nd pillar can be used in two ways in the context of a property purchase (main residence only):

  • By early withdrawal of all or part of your second pillar.
  • By pledging your second pillar.

In the first case, you build up part of your own funds by withdrawing a certain amount from your second pillar. It is important to note that this will reduce your pension benefits once the withdrawal is made. There is also a tax on the withdrawal of capital benefits (between 3% and 10% of the amount of the capital withdrawal made, depending on your marital status, the amount and the tax municipality).

In case of a full repayment of the withdrawal made, the taxes paid will be refunded. Using your 2nd pillar for home ownership may be more complicated if you have made a purchase in the three years prior to the capital withdrawal.

In the second case, you pledge your pension assets as collateral for the mortgage. There is no tax or reduction in old-age benefits. However, supplementary insurance cover is usually requested by financial institutions when granting a mortgage.

THIRD PILLAR

THIRD PILLAR

The 3rd pillar, whether bank or insurance, can be used in different ways when buying property:

By withdrawing it to build up equity or by pledging it as collateral.

In the first case, the withdrawal from the 3rd pillar generates a tax on the withdrawal of the pension capital (this varies according to the marital status, the amount and the tax municipality, estimated at between 3% and 10%).

In the second case, the 3rd pillar can be used as collateral for the mortgage you are about to take out and can be used to pay off the mortgage indirectly: the amount of the annual premium must cover the amount of the amortisation requested by the bank.

ANCILARY COSTS

ANCILARY COSTS

The ancillary costs associated with a property purchase in Switzerland are generally made up of:

Notary fees: All costs, taxes (transfer duties), fees and charges related to the property transaction. These are generally estimated at around 5% of the purchase price in Geneva and Vaud, but this percentage may vary from one canton to another.

AMORTISATION

AMORTISATION

Amortisation is the repayment of the mortgage. Generally, financial institutions require that the 2nd mortgage be repaid over a period of 15 years or at the latest before the legal retirement age. Repayment can be quarterly, half-yearly or annually.

There are two types of amortisation for a principal residence:

  • Direct amortisation: You pay your mortgage directly to the financial institution each year, which will reduce the amount of the loan each year, as well as the interest charge, but will also reduce your annual tax deductions.

  • Indirect amortisation: Instead of paying the annual amortisation amount each year against the mortgage, you pay it into a 3rd pillar bank or insurance to benefit from the related income tax deductions. Your interest burden will remain constant as will your annual tax deduction. Your loan will then be reduced by the amount saved in the 3rd pillar at retirement age and/or at the maturity of the life insurance policy.

TAXES ON THE WITHDRAWAL OF PENSION CAPITAL

TAXES ON THE WITHDRAWAL OF PENSION CAPITAL

If you use a withdrawal from your pension assets to build up part of your own funds for a property purchase, you will be subject to tax on the withdrawal of pension assets. This varies according to marital status, amount, and tax municipality (between 3% and 10%). These costs are not considered by the financial institutions when granting the mortgage loan and you are responsible for them.

MORTGAGE NOTE

MORTGAGE NOTE

A mortgage note is a title issued by the Land Registry. It is required by the financial institution as security for the mortgage. The notary sends the mortgage note to the bank in exchange for the mortgage amount. The mortgage note must always be attached to real property, otherwise it is extinguished.

A mortgage note that is no longer being used as security for a mortgage loan can be reused by its owner in a number of ways:

To take out a subsequent mortgage (to finance renovation or conversion of the property)

  • The mortgage note can be moved to a new property purchase
  • The mortgage note can be transferred to a third party (for example: in the case of a real estate sale, it is entirely possible to transfer your note to the buyer of your property free of charge or sell it to them).

MORTGAGE LOAN

MORTGAGE LOAN

This is the loan that financial institutions will make available to enable you to acquire the property you want. The mortgage is usually divided into two parts:

The 1st mortgage generally covers the first 66% of the loan on the purchase price. The 2nd covers everything above the first 66% of the loan and it is this amount that will be repaid over 15 years or before the legal retirement age.

The mortgage is usually up to 80% on properties considered standard. This can be reduced to a lower percentage for various reasons: your age, the type of property to be financed and the use to which it is put. For example, a holiday home or luxury property is usually financed at 66% of the purchase price.

MORTGAGE RATES

MORTGAGE RATES

Financial institutions offer you the opportunity to take out a mortgage by offering different types of mortgages. You can choose different types of rates for your mortgage: fixed or variable with different durations, generally ranging from 1 month to 15 years. It is entirely possible to spread your mortgage over different rates with different terms depending on your financial strategy and expectations. This is known as the ‘mortgage tranche’ system.

In case of early termination of the mortgage rate, financial institutions ask for an exit fee (penalty).

CASATAX

CASATAX

Casatax is a reduction in registration fees when buying a home in the canton of Geneva only. You can benefit from this reduction only on the purchase of a main residence in Geneva at a maximum price of CHF 1,258,454 (2022 scale, value indexed each year). If you meet these criteria, you will receive a reduction in transfer tax of CHF 18,877 and the registration fee for mortgage deeds will be reduced by half. You must occupy your main home for a continuous period of at least 3 years, otherwise the reduction you have benefited from must be repaid (exception: death of the beneficiary).

PENALTY/COMPENSATION FOR EARLY TERMINATION

PENALTY/COMPENSATION FOR EARLY TERMINATION

In the case of early termination of a mortgage product with a defined term, financial institutions normally charge an early termination fee or exit penalty. The parameters considered for the calculation of the penalty are generally the amount of the loan to be terminated, the period remaining until the maturity of the mortgage product and the difference in the level of rates between the date your mortgage was taken out and the date it is terminated. This penalty can be very costly depending on the above-mentioned parameters and it is therefore important to anticipate this potential problem as far as possible when choosing your fixed rate strategy.