Megève, Duplex/two-level

CHF 1,858,000.-

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5 bedroom duplex in the hyper-center of Megève

CHF 1,858,000.-

- Megève, Megève

165 m²

149 m²

8.5

Description

The Compagnie Immobilière du Léman (CIL) is pleased to offer you for sale this superb 5-bedroom duplex, fully furnished and fitted out, located in the heart of the elegant resort of Megève, a setting nestled in the heart of the Alps in Haute-Savoie close to all the amenities of the resort.

This superb property consists of two lots of apartments, which have been completely renovated and combined to create this magnificent duplex with a living area of 149 ^m2 and a floor area of 164 ^m2 within the meaning of the Carrez law. increased by two balconies totaling 14m ² . They unfold in a subtle blend of wood and stone, giving it a warm and refined atmosphere.

The lower apartment was completely renovated in 2015 and designed with an ingenious optimization of spaces. As soon as you enter, you will be charmed by the cleverly fitted cupboards, adding a practical and functional touch. Two spacious bedrooms share a walk-in shower room, one of which can accommodate up to three people. Separate toilets are also available, providing additional privacy for your guests. A bright living room, thanks to a large bay window overlooking the courtyard, opens onto a kitchenette equipped with a dishwasher, a fridge and a microwave oven, to give your guests all the privacy and the comfort they need.

The attic apartment , renovated in 2017, offers very high ceilings with beautiful volumes and magnificent period exposed beams , giving it an atypical charm (chalet style) and opens onto a fully fitted contemporary kitchen, with a very beautiful view of the Jaillet, which extends into an elegant dining room and a warm living room, dominated by a functional wood stove. Three bedrooms complete this level, including one with its own bathroom and access to the balcony, a bedroom ideally designed for children with a double bed and bunk beds as well as access to the balcony, and a third bedroom equipped with a shower/hammam room, dressing room, separate WC and access to the balcony. Finally, for more comfort a separate shower room and guest WC.

This one-of-a-kind property strikes the perfect balance between modern style and traditional alpine chalet charm .

A possibility of renting an indoor parking space at the Casino, located 200 meters on foot from the property, for an annual amount of €950 or for the winter season ( from December 1 to April 15 ) for €585

Don't miss this opportunity to live in this real estate gem located in the heart of Megève, one of the most popular resorts in the Alps.

Contact us now to arrange a visit and let yourself be seduced by this idyllic living environment. A virtual tour is available on request.

Details

Neighbourhood

City centre
Village
Green
Mountains
Shops/Stores
Shopping street
Bank
Post office
Restaurant(s)
Child-friendly
Playground
Sports centre
Public swimming pool
Near a golf course
Ski piste
Ski resort
Ski lift
Cross-country ski trail
Hiking trails
Doctor
Thermal center

Outside conveniences

Balcony/ies
Greenery

Inside conveniences

Eat-in-kitchen
Open kitchen
Separated lavatory
Guests lavatory
Dressing
Storeroom
Furnished
Built-in closet
Connected thermostat
Swedish stove
Double glazing
Bright/sunny
Penthouse
With character

Equipment

Furnished kitchen
Fitted kitchen
Kitchenette
Cooker/stove
Ceramic glass cooktop
Oven
Steamer
Fridge
Freezer
Dishwasher
Wine cooler
Connections for washing tower
Bath
Shower
Phone
Cable/TV
WiFi
Internet connection
Optic fiber
Alarm
Interphone

Floor

Tiles
Parquet floor

Orientation

South
West

Exposure

Optimal
All day

View

Nice view
Mountains

Style

Modern

Distances

Public transports

289 m

Nursery school

1.04 km

25'

Primary school

212 m

Stores

146 m

Post office

1.16 km

26'

Bank

272 m

Restaurants

101 m

Park / Green space

24'

Financing

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Contact visit

CI-LEMAN

Stéphane Blatti

Show contact infos

Route du Grand-Lancy 50

1212 Grand-Lancy

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Characteristics

Reference

4405921

Availability

Immediate

Second home

Non authorized

Bathroom(s)

Latest renovations

2014

Balconies

rooms

8.5

Bedrooms

Floor

Attic

Total number of floors

Number of levels for the real asset

Balcony surface

14 m²

Heating type

Electricity

Heating installation

Radiator

Altitude

1,300 m

Standing

Upmarket

Ground surface

165 m²

Living area

149 m²

Number of toilets

Parking places

Not available

Votre nouvelle vie dans ce quartier

Businesses
& services

Restaurants
& Bars

Shopping

Schools

Sports
Activities

transport network

health

Your financing

Prix d'achat CHF i

Votre prix d’achat n’inclut pas les éventuels frais annexes à l’acquisition immobilière.
Fonds propres 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.
Revenus annuels bruts 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

Hypothèque de 1^er rang 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.
Hypothèque de 2^ème rang CHF i

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

Le montant de financement escompté, qui provient de la différence entre le prix d’achat et vos fonds propres.
Taux d’avance en % 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.
Capacité de financement 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
Taux d'intérêt %

monthly annual
Intérêts CHF CHF i

Montant du prêt multiplié par le taux d’intérêt
Amortissement CHF CHF i

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

Prix d’achat multiplié par 1%
Charges totales CHF CHF i

Vos charges annuelles estimées après acquisition de votre bien immobilier.

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

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

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

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

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 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

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

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

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

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 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

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.