{"id":9345,"date":"2021-05-18T11:25:58","date_gmt":"2021-05-18T09:25:58","guid":{"rendered":"https:\/\/360consulting.ch\/private-clients\/real-estate\/"},"modified":"2026-06-30T15:29:11","modified_gmt":"2026-06-30T13:29:11","slug":"real-estate","status":"publish","type":"page","link":"https:\/\/360consulting.ch\/en\/private-clients\/real-estate\/","title":{"rendered":"Real estate"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:225px;--awb-padding-top-medium:0px;--awb-padding-top-small:0px;--awb-margin-top-small:100px;--awb-background-image:linear-gradient(180deg, rgba(0,0,0,0.15) 0%,rgba(0,0,0,0.15) 100%);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Aktuell-Zauggenried_Aussen-1_Var1_21-02-scaled-e1727773790792.jpg\" data-bg-gradient=\"linear-gradient(180deg, rgba(0,0,0,0.15) 0%,rgba(0,0,0,0.15) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:200px;--awb-padding-top-small:100px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two fusion-animated\" style=\"--awb-text-color:#ffffff;--awb-font-size:54px;\" data-animationType=\"fadeIn\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:54;line-height:1.2;text-shadow:5px 5px 5px rgba(0,0,0,0.14);\">Real estate<span style=\"color: #3366ff;\">.<\/span><\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:94px;--awb-padding-bottom:94px;--awb-padding-top-medium:60px;--awb-padding-bottom-medium:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:3.84%;--awb-width-medium:80%;--awb-order-medium:0;--awb-spacing-right-medium:2.4%;--awb-spacing-left-medium:2.4%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-font-size:36px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:36;line-height:1.16;\">Sale of Your Property<span style=\"color: #3366ff;\">.<\/span><\/h1><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:center;\"><p style=\"text-align: left;\">The successful sale of real estate and land requires a solid network of relationships, specialist knowledge, professional communication, and serious market cultivation.<\/p>\n<p style=\"text-align: left;\">We appraise your property and prepare professional documentation. We conduct thorough market cultivation, organize viewings, conduct negotiations, and accompany the notarial certification. <\/p>\n<p style=\"text-align: left;\">Our comprehensive advisory service includes careful planning for changes in living and residential situations. This allows you to handle the sale, financial planning, and tax changes related to your residential situation under one roof. <\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-span-yes fusion-button-default-type\" style=\"--button_margin-top:30px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/360-immobilien.ch\/\"><span class=\"fusion-button-text\">to 360 Immobilien AG<\/span><\/a><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-span-yes fusion-button-default-type\" style=\"--button_margin-top:30px;\" target=\"_self\" href=\"https:\/\/360consulting.ch\/en\/reference-properties\/\"><span class=\"fusion-button-text\">View reference properties<\/span><\/a><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-span-yes fusion-button-default-type\" style=\"--button_margin-top:30px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/360-immobilien.ch\/immobilien\/?availabilities%5B%5D=active&amp;availabilities%5B%5D=taken&amp;availabilities%5B%5D=reserved&amp;salestypes%5B%5D=buy\"><span class=\"fusion-button-text\">Current Projects<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-animated\" style=\"--awb-padding-top:40px;--awb-padding-right:40px;--awb-padding-bottom:40px;--awb-padding-left:40px;--awb-padding-right-small:3px;--awb-padding-left-small:3px;--awb-bg-color:#ffffff;--awb-bg-color-hover:#ffffff;--awb-bg-size:cover;--awb-box-shadow:0px 2px 4px -1px rgba(0,0,0,0.05);;--awb-border-color:rgba(0,0,0,0.05);--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-width-large:40%;--awb-margin-top-large:20px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:16px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:16px;--awb-width-small:100%;--awb-order-small:0;--awb-margin-top-small:0px;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:1px;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInRight\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-four\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.42;\"><span dir=\"ltr\">Your Advantages<\/span>:<\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:16px;margin-bottom:16px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#e8ebef;border-top-width:1px;\"><\/div><\/div><ul style=\"--awb-iconcolor:#007aff;--awb-line-height:30.6px;--awb-icon-width:30.6px;--awb-icon-height:30.6px;--awb-icon-margin:12.6px;--awb-content-margin:43.2px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default fusion-checklist-divider type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon icon-360-neu-1check-circle\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Thorough clarifications and consultations<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon icon-360-neu-1check-circle\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>We negotiate the best deal for you<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon icon-360-neu-1check-circle\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Broad network of specialists<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon icon-360-neu-1check-circle\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Attractive property photos<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon icon-360-neu-1check-circle\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Support throughout the entire sales process<\/p>\n<\/div><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-animated\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:80px;--awb-padding-top-small:36px;--awb-padding-right-small:1px;--awb-padding-bottom-small:48px;--awb-padding-left-small:1px;--awb-background-image:linear-gradient(270deg, #f9fafb 94%,#ffffff 94%);--awb-flex-wrap:wrap;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:15.36%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:11.52%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:9.6%;--awb-spacing-left-medium:14.4%;--awb-width-small:80%;--awb-order-small:0;--awb-spacing-right-small:4.8%;--awb-spacing-left-small:7.2%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Comprehensive Advisory Service<span style=\"color: #3366ff;\">.<\/span><\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>You can also take advantage of our comprehensive advisory service for the following topics.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-right-small:1px;--awb-padding-left-small:1px;--awb-bg-position:center top;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:10px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-margin-top-medium:0px;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1px;--awb-spacing-left-small:1px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:12px;--awb-padding-left:30px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-overflow:hidden;--awb-inner-bg-color:#ffffff;--awb-inner-bg-color-hover:#ffffff;--awb-inner-bg-size:cover;--awb-box-shadow:0px 2px 4px -1px rgba(89,102,125,0.05);;--awb-border-color:rgba(89,102,125,0.08);--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:8px 8px 8px 8px;--awb-inner-bg-border-radius:8px 8px 8px 8px;--awb-inner-bg-overflow:hidden;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:50%;--awb-order-small:0;--awb-spacing-right-small:3.84%;--awb-spacing-left-small:3.84%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/360consulting.ch\/en\/private-clients\/mortgage\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon consulting-stats-dots circle-no icon-hover-animation-pulsate\" style=\"--awb-font-size:40px;--awb-align-self:center;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:16px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-title title fusion-title-5 fusion-no-small-visibility fusion-no-medium-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">Mortgages<\/h5><\/div><div class=\"fusion-title title fusion-title-6 fusion-no-large-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;--awb-font-size:12px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:12;--minFontSize:12;line-height:1.4;\">Mortgages<\/h5><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:12px;--awb-padding-left:30px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-overflow:hidden;--awb-inner-bg-color:#ffffff;--awb-inner-bg-color-hover:#ffffff;--awb-inner-bg-size:cover;--awb-box-shadow:0px 2px 4px -1px rgba(89,102,125,0.05);;--awb-border-color:rgba(89,102,125,0.08);--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:8px 8px 8px 8px;--awb-inner-bg-border-radius:8px 8px 8px 8px;--awb-inner-bg-overflow:hidden;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:50%;--awb-order-small:0;--awb-spacing-right-small:3.84%;--awb-spacing-left-small:3.84%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/360consulting.ch\/en\/private-clients\/tax-return\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon consulting-clipboard-edit1 circle-no icon-hover-animation-pulsate\" style=\"--awb-font-size:40px;--awb-align-self:center;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:16px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-title title fusion-title-7 fusion-no-small-visibility fusion-no-medium-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">Taxes<\/h5><\/div><div class=\"fusion-title title fusion-title-8 fusion-no-large-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;--awb-font-size:12px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:12;--minFontSize:12;line-height:1.4;\">Taxes<\/h5><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:12px;--awb-padding-left:30px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-overflow:hidden;--awb-inner-bg-color:#ffffff;--awb-inner-bg-color-hover:#ffffff;--awb-inner-bg-size:cover;--awb-box-shadow:0px 2px 4px -1px rgba(89,102,125,0.05);;--awb-border-color:rgba(89,102,125,0.08);--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:8px 8px 8px 8px;--awb-inner-bg-border-radius:8px 8px 8px 8px;--awb-inner-bg-overflow:hidden;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:50%;--awb-order-small:0;--awb-spacing-right-small:3.84%;--awb-spacing-left-small:3.84%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/360consulting.ch\/en\/vorsorge\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon consulting-library circle-no icon-hover-animation-pulsate\" style=\"--awb-font-size:40px;--awb-align-self:center;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:16px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-title title fusion-title-9 fusion-no-small-visibility fusion-no-medium-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">Pension Provision<\/h5><\/div><div class=\"fusion-title title fusion-title-10 fusion-no-large-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;--awb-font-size:12px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:12;--minFontSize:12;line-height:1.4;\">Pension Provision<\/h5><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:12px;--awb-padding-left:30px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-padding-right-small:0px;--awb-padding-left-small:0px;--awb-overflow:hidden;--awb-inner-bg-color:#ffffff;--awb-inner-bg-color-hover:#ffffff;--awb-inner-bg-size:cover;--awb-box-shadow:0px 2px 4px -1px rgba(89,102,125,0.05);;--awb-border-color:rgba(89,102,125,0.08);--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:8px 8px 8px 8px;--awb-inner-bg-border-radius:8px 8px 8px 8px;--awb-inner-bg-overflow:hidden;--awb-width-large:50%;--awb-margin-top-large:20px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:50%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/360consulting.ch\/en\/private-clients\/insurance\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-4 fb-icon-element fontawesome-icon consulting-lock2 circle-no icon-hover-animation-pulsate\" style=\"--awb-font-size:40px;--awb-align-self:center;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:16px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-title title fusion-title-11 fusion-no-small-visibility fusion-no-medium-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">Insurance<\/h5><\/div><div class=\"fusion-title title fusion-title-12 fusion-no-large-visibility fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:6px;--awb-font-size:12px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:12;--minFontSize:12;line-height:1.4;\">Insurance<\/h5><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top-medium:-100px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-center sm-text-align-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.3;\">Questions and Answers<span style=\"color: #3366ff;\">.<\/span><\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInUp\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.42;\"><span dir=\"ltr\">Property Valuation<\/span><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:18px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e8ebef;--awb-divider-hover-color:#e8ebef;--awb-icon-color:var(--awb-color7);--awb-title-color:#023a51;--awb-content-color:#59667d;--awb-icon-box-color:var(--awb-color1);--awb-toggle-hover-accent-color:var(--awb-color4);--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-9345-1\"><div class=\"fusion-panel panel-default panel-b59576e13b6870e4c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b59576e13b6870e4c\"><a aria-expanded=\"false\" aria-controls=\"b59576e13b6870e4c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-1\" data-target=\"#b59576e13b6870e4c\" href=\"#b59576e13b6870e4c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Real\/Substance Value Method<\/span><\/a><\/h4><\/div><div id=\"b59576e13b6870e4c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b59576e13b6870e4c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The real\/substance value method can generally be used for all types of properties. However, it is particularly suitable for properties where income is not of primary importance.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f06dec5436f73508c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f06dec5436f73508c\"><a aria-expanded=\"false\" aria-controls=\"f06dec5436f73508c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-1\" data-target=\"#f06dec5436f73508c\" href=\"#f06dec5436f73508c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Income Value Method<\/span><\/a><\/h4><\/div><div id=\"f06dec5436f73508c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f06dec5436f73508c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In the income value method, the market value is determined by capitalizing the annual net rental income. This valuation method is applied when a property can generate income on a permanent basis.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7702c1ab563b295d1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7702c1ab563b295d1\"><a aria-expanded=\"false\" aria-controls=\"7702c1ab563b295d1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-1\" data-target=\"#7702c1ab563b295d1\" href=\"#7702c1ab563b295d1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hedonic Method<\/span><\/a><\/h4><\/div><div id=\"7702c1ab563b295d1\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7702c1ab563b295d1\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In the hedonic method, also called the comparative value method, the market value is determined for similar properties. The derivation is based on various parameters such as location, condition, and standard, as well as statistically determined transaction prices. The method is suitable for single-family homes and condominium units.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-margin-top-small:50px;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInUp\" data-animationDuration=\"0.6\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.42;\"><span dir=\"ltr\">Purchase Agreement<\/span><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:18px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e8ebef;--awb-divider-hover-color:#e8ebef;--awb-icon-color:var(--awb-color7);--awb-title-color:#023a51;--awb-content-color:#59667d;--awb-icon-box-color:var(--awb-color1);--awb-toggle-hover-accent-color:var(--awb-color4);--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-9345-2\"><div class=\"fusion-panel panel-default panel-090d6a29b5025bc71 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_090d6a29b5025bc71\"><a aria-expanded=\"false\" aria-controls=\"090d6a29b5025bc71\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#090d6a29b5025bc71\" href=\"#090d6a29b5025bc71\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Certification<\/span><\/a><\/h4><\/div><div id=\"090d6a29b5025bc71\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_090d6a29b5025bc71\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>For a purchase agreement to be valid, it must be publicly certified. Such certification is performed by a notary. Usually, the buyer can select the notary, provided they are located in a canton where independent notaries are permitted. However, some cantons have official notaries, whereby the respective office uses its own notaries.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-eeba8e36752bbf773 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_eeba8e36752bbf773\"><a aria-expanded=\"false\" aria-controls=\"eeba8e36752bbf773\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#eeba8e36752bbf773\" href=\"#eeba8e36752bbf773\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Signature<\/span><\/a><\/h4><\/div><div id=\"eeba8e36752bbf773\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_eeba8e36752bbf773\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A purchase agreement must be signed by both the buyer and seller as well as the notary. Only after the entry in the land register has been made can one speak of a change of ownership. This is initiated by the notary through the prior registration of the transfer of ownership with the land registry office.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0b25f9995043be59b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0b25f9995043be59b\"><a aria-expanded=\"false\" aria-controls=\"0b25f9995043be59b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#0b25f9995043be59b\" href=\"#0b25f9995043be59b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Costs and Fees<\/span><\/a><\/h4><\/div><div id=\"0b25f9995043be59b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0b25f9995043be59b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The costs for the notary and the fees for entry in the land register differ from canton to canton. As a rule, the buyer bears the notary costs, but these can also be divided between buyer and seller.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d94cf6824be3338b8 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d94cf6824be3338b8\"><a aria-expanded=\"false\" aria-controls=\"d94cf6824be3338b8\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#d94cf6824be3338b8\" href=\"#d94cf6824be3338b8\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Reservation Agreement\/Preliminary Agreement<\/span><\/a><\/h4><\/div><div id=\"d94cf6824be3338b8\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d94cf6824be3338b8\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Reservation agreements are increasingly being drawn up today. They serve to protect both parties: the buyer is promised the respective property, while committing to the purchase. However, an agreement on real estate transactions is never final until it has been certified by a notary. Therefore, a deposit is usually collected when a reservation agreement is concluded. Should the purchase suddenly fail, it will be difficult for the buyer to reclaim this sum of money in its entirety. It is therefore advisable to pay the deposit into a dedicated blocked account.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-6d7832d02deaef487 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_6d7832d02deaef487\"><a aria-expanded=\"false\" aria-controls=\"6d7832d02deaef487\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#6d7832d02deaef487\" href=\"#6d7832d02deaef487\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Property Transfer Tax<\/span><\/a><\/h4><\/div><div id=\"6d7832d02deaef487\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_6d7832d02deaef487\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The cantonally regulated levy collected upon the acquisition of a property in Switzerland is called the property transfer tax. What is taxed is the transfer of control of a property from the seller to the buyer, who must pay for it. Legally, it serves to cover the costs of administrative expenses. Due to the cantonal regulation of this levy, the associated regulations differ from canton to canton. The term property transfer tax itself is not used legally throughout Switzerland. In the cantons of Zug, Schaffhausen, Glarus, and Uri, for example, reference is made to a &#8220;land register fee.&#8221;     <\/p>\n<p>Other cantons collect the property transfer tax in the form of a mixed tax: components of a fee for cost coverage are combined with components of a tax for generating revenue. The cantons of Zurich and Schwyz have not collected a property transfer tax or other comparable fees since 2005 and 2009 respectively, following an initiative submitted by the homeowners&#8217; association. <\/p>\n<p>The cantons of Bern and Solothurn introduced an exemption amount instead of complete abolition. In Bern, this amounts to CHF 800,000.00 on the market value of the property. In Solothurn, the tax on the property is completely waived in the case of owner-occupation.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e68657b210bc7ca7f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e68657b210bc7ca7f\"><a aria-expanded=\"false\" aria-controls=\"e68657b210bc7ca7f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-9345-2\" data-target=\"#e68657b210bc7ca7f\" href=\"#e68657b210bc7ca7f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Property Gains Tax<\/span><\/a><\/h4><\/div><div id=\"e68657b210bc7ca7f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e68657b210bc7ca7f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In Switzerland, properties are often sold at a profit. One reason for this is the growing population, which increases demand for residential property. On the other hand, political influence on the real estate market can also favor a profitable sale.  <\/p>\n<p>The tax administration therefore addressed the question of the most efficient taxation of such gains. They found the answer in a one-time special tax called the property gains tax. It is collected after notarial certification, upon entry in the land register.  <\/p>\n<p>In Switzerland, there are two systems at the cantonal level that regulate the taxation of properties. The monistic system is characterized by a one-time special tax resulting from the profits of property sales. In the case of properties in business assets, depreciation brought back is additionally taxed in profit or income.  <\/p>\n<p>In contrast, in the dualistic system, special taxes only have to be paid for transfers of ownership in private assets. However, for property sales in business assets, an income or profit tax is levied. In addition, the direct federal tax is charged, which does not apply to private assets. The monistic system occurs more frequently in Switzerland, not least due to the large cantons of Bern and Zurich, which apply it.   <\/p>\n<p>For properties that are occupied by the selling person themselves, the law of deferral applies: the tax owed can be deferred if the seller acquires a replacement property. For this, they have a maximum period of two years between sale and purchase. In this case, one speaks of a latent tax. It is characterized by the fact that it is owed but is directly transferred to the newly acquired property. This offers private individuals the opportunity to invest the entire proceeds from the sold property into the newly acquired one, as no taxes have to be paid in advance. In addition, the seller is not bound by cantonal borders when acquiring the replacement property. The law stipulates that the canton in which a property was sold but no new one was acquired within two years can collect all taxes. For a broker, precise knowledge of these tax peculiarities is essential so that they can advise their clients in the best possible way.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\"><h3 class=\"fusion-title-heading title-heading-center sm-text-align-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.3;\"><p>Contact us<span style=\"color: #007aff;\">.<\/span><br \/>\nWe are happy to advise you<span style=\"color: #007aff;\">.<\/span><\/p><\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column team-neu-box fusion-animated\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-blend:screen;--awb-bg-size:cover;--awb-box-shadow:3px 3px 4px -1px rgba(0,0,0,0.1);;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:33.333333333333%;--awb-margin-top-large:20px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInLeft\" data-animationDuration=\"0.6\" data-animationOffset=\"top-into-view\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero.jpg\" data-bg=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:250px;width:100%;\"><\/div><div class=\"fusion-modal modal fade modal-1 juan\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-1\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-1\" data-dismiss=\"modal\" aria-hidden=\"true\">Juan Higuero<\/h3><\/div><div class=\"modal-body fusion-clearfix\">\n<p><img decoding=\"async\" class=\"lazyload wp-image-8230 size-fusion-400\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-400x274.jpg\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-400x274.jpg\" alt=\"\" width=\"400\" height=\"274\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27400%27%20height%3D%27274%27%20viewBox%3D%270%200%20400%20274%27%3E%3Crect%20width%3D%27400%27%20height%3D%27274%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-200x137.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-300x206.jpg 300w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-400x274.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-600x411.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-768x526.jpg 768w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-800x548.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-1024x702.jpg 1024w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero-1200x822.jpg 1200w, https:\/\/360consulting.ch\/wp-content\/uploads\/Juan-Higuero.jpg 1500w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p><strong>Position:<br \/>\n<\/strong>Owner<\/p>\n<p><strong>Education:<br \/>\n<\/strong>Certified Financial Advisor IAF<br \/>\nReal Estate Marketer with Federal Diploma  <\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"0\" width=\"87\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr style=\"height: 16.0pt;\">\n<td style=\"height: 16.0pt; width: 65pt;\" width=\"87\" height=\"21\"><strong><br \/>\nInterests:<br \/>\n<\/strong>My affinity for numbers and developing individual solutions for our clients are among my strengths and give me great pleasure. Besides the daily challenges in business, I prefer to let off steam on the tennis court or spend time with my family. I equally appreciate a good glass of red wine at home in the garden with engaging conversations and good company.  <\/p>\n<p style=\"text-align: left;\">+41 31 911 13 60<\/p>\n<p style=\"text-align: left;\"><a class=\"mail\" title=\"Email\" href=\"mailto:juan.higuero@360-consulting.ch\">Email<\/a><\/p>\n<p><a title=\"\" href=\"https:\/\/www.linkedin.com\/in\/juan-higuero-239196177\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/div><div style=\"text-align:right;\"><a class=\"fusion-button button-flat button-small button-default fusion-button-default button-4 fusion-button-span-no \" style=\"--button-border-radius-top-left:0px;--button-border-radius-top-right:0px;--button-border-radius-bottom-right:0px;--button-border-radius-bottom-left:0px;--button_text_transform:uppercase;\" target=\"_self\" href=\"#\" data-toggle=\"modal\" data-target=\".fusion-modal.juan\"><span class=\"fusion-button-text fusion-button-text-right\">Juan Higuero<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"icon-accountant-plus\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-animated\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-blend:screen;--awb-bg-size:cover;--awb-box-shadow:3px 3px 4px -1px rgba(0,0,0,0.1);;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:33.333333333333%;--awb-margin-top-large:20px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"slideInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting.jpg\" data-bg=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:250px;width:100%;\"><\/div><div class=\"fusion-modal modal fade modal-2 daniel\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-2\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-2\" data-dismiss=\"modal\" aria-hidden=\"true\">Daniel H\u00e4nni<\/h3><\/div><div class=\"modal-body fusion-clearfix\">\n<h3 style=\"text-align: center;\"><img decoding=\"async\" class=\"lazyload wp-image-8356 size-fusion-400 alignleft\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-400x267.jpg\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-400x267.jpg\" alt=\"Daniel H\u00e4nni - Owner 360 Consulting AG - Insurance Broker in Bern\" width=\"400\" height=\"267\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27400%27%20height%3D%27267%27%20viewBox%3D%270%200%20400%20267%27%3E%3Crect%20width%3D%27400%27%20height%3D%27267%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-200x133.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-300x200.jpg 300w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-400x267.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-600x400.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-768x512.jpg 768w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-800x533.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-1024x682.jpg 1024w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-1200x800.jpg 1200w, https:\/\/360consulting.ch\/wp-content\/uploads\/Daniel-Haenni-360-Consulting-1536x1024.jpg 1536w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/h3>\n<p style=\"text-align: left;\"><strong>Position:<br \/>\n<\/strong>Owner &#038; Management<br \/>\nBusiness Consultant<\/p>\n<p style=\"text-align: left;\"><strong>Education:<br \/>\n<\/strong>Financial Planner with Federal Diploma<br \/>\nCertified Business Economist NDS HF<br \/>\n<span lang=\"EN-US\">CAS Future Insurance &#038; Digital Transformation<\/span><\/p>\n<p><strong>FINMA No.: <\/strong>F01471035<\/p>\n<table class=\" alignleft\" style=\"border-collapse: collapse; width: 100%;\" border=\"0\" width=\"87\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><strong><strong><br \/>\nInterests:<br \/>\n<\/strong><\/strong>Besides the passion to advance 360 Consulting with its clients and employees, I enjoy spending time at the gym or jogging along the Aare in Bern. A healthy lifestyle and my long-standing friendships are very important to me in these fast-paced times. <\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: left;\"><strong>Pro Bono Mandates:<br \/>\n<\/strong>Start-up consulting and financial services for single mothers.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: left;\">+41 31 911 13 60<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: left;\"><a title=\"\" href=\"mailto:daniel.haenni@360-consulting.ch\">Email<\/a><\/p>\n<p><a title=\"\" href=\"https:\/\/www.linkedin.com\/in\/daniel-h\u00e4nni\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/div><div style=\"text-align:right;\"><a class=\"fusion-button button-flat button-small button-default fusion-button-default button-5 fusion-button-span-no \" style=\"--button-border-radius-top-left:0px;--button-border-radius-top-right:0px;--button-border-radius-bottom-right:0px;--button-border-radius-bottom-left:0px;--button_text_transform:uppercase;\" target=\"_self\" href=\"#\" data-toggle=\"modal\" data-target=\".fusion-modal.daniel\"><span class=\"fusion-button-text fusion-button-text-right\">Daniel H\u00e4nni<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"icon-accountant-plus\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:1px;--awb-padding-right-small:1px;--awb-padding-left-small:1px;--awb-margin-top:-50px;--awb-margin-bottom:-50px;--awb-margin-top-medium:-100px;--awb-margin-bottom-medium:-100px;--awb-margin-top-small:50px;--awb-margin-bottom-small:-100px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top-small:0px;--awb-padding-bottom-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-margin-top-small:0px;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-carousel fusion-image-carousel-auto fusion-image-carousel-1 fusion-carousel-border\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel\" data-autoplay=\"yes\" data-columns=\"6\" data-itemmargin=\"50\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-imagesize=\"auto\" style=\"--awb-columns:6;--awb-column-spacing:50px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Z\u00fcrich Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/zuricher.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/visana.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Visana Health Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/visana.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/visana-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/visana-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/visana-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/visana-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/visana.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/Logo-Baloise-Helvatia.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Baloise Helvetia\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" 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src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Innova Health Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/innova-verischerung.jpg 1000w\" data-sizes=\"auto\" 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https:\/\/360consulting.ch\/wp-content\/uploads\/helsana-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/helsana.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/generali.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Generali Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/generali.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/generali-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/generali-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/generali-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/generali-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/generali.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/emmental-versicherung.jpg\" class=\"attachment-full size-full lazyload\" alt=\"emmental Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" 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srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/axa.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/axa-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/axa-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/axa-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/axa-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/axa.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/allianz.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Allianz Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/allianz.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/allianz-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/allianz-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/allianz-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/allianz-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/allianz.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" 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https:\/\/360consulting.ch\/wp-content\/uploads\/BEKB-BCBE-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/BEKB-BCBE.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Vaudoise Insurance Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise.jpg\" data-srcset=\"https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise-200x93.jpg 200w, https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise-400x186.jpg 400w, https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise-600x279.jpg 600w, https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise-800x372.jpg 800w, https:\/\/360consulting.ch\/wp-content\/uploads\/vaudoise.jpg 1000w\" data-sizes=\"auto\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-zoomin\"><img decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/360consulting.ch\/wp-content\/uploads\/SwissLife.jpg\" class=\"attachment-full size-full lazyload\" alt=\"Swiss Life Logo\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271000%27%20height%3D%27465%27%20viewBox%3D%270%200%201000%20465%27%3E%3Crect%20width%3D%271000%27%20height%3D%27465%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" 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