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Magnifique promotion de villas sur une belle parcelle intimiste, Single family house

CHF 2,550,000.-

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Modern, single-family home with high energy efficiency

CHF 2,550,000.-

GE - Magnifique promotion de villas sur une belle parcelle intimiste, Confignon

Reserved
~ 757 m²
~ 162 m²
7
4
3

Description

APPROVAL IN EFFECT

In the heart of Confignon, in an intimate, green residential setting just a few minutes from downtown Geneva, discover this magnificent, exclusive development consisting of four new, highly energy-efficient villas that combine contemporary architecture, abundant natural light, and high-end amenities.

THE DEVELOPMENT

The development consists of four villas built on a 2,147 m² lot: two single-family villas and two villas joined by their garages. Each villa spans three levels—a finished basement designed as a true living space, a ground floor, and an upper floor—and features three bedrooms, an office, and a living room that opens onto the kitchen and garden. All feature a private garden, a ground-level terrace, and living areas facing southwest.

FEATURES, FINISHES & BUDGETS — COMMON TO ALL 4 VILLAS

  • New construction meeting the THPE (Very High Energy Performance) standard.
  • Heat pump heating system with underfloor distribution across all three levels (basement, ground floor, and upper floor).
  • Hot water production supported by solar thermal and photovoltaic panels, with automatic regulation via an outdoor sensor.
  • Triple-pane windows and radio-controlled electric venetian blinds (Somfy type).
  • Green roof and glass railings.
  • Fully equipped, high-end built-in kitchen: supply budget of CHF 40,000 per villa.
  • Top-of-the-line plumbing fixtures and faucets: supply budget of CHF 25,000 per villa.
  • 60×60 tile flooring: supply budget of CHF 50 to 100 per square meter, depending on the room.
  • Wide-plank hardwood flooring: budget of CHF 100 per square meter.
  • Wall tiles up to 30×60 in size: supply budget of CHF 120 per m².
  • Porcelain stoneware tiles for balconies and outdoor terraces: supply budget of CHF 60 per m².
  • Integrated, motorized garage; outdoor parking space; and pre-wiring for an electric vehicle charging station.
  • Controlled ventilation and electrical installation compliant with regulations (OIBT inspection prior to handover).

LOCATION - CONFIGNON

A residential town on the left bank, Confignon has managed to preserve its village character and views of the countryside while remaining ideally connected. Schools (Confignon, Cressy) and the Vuillonnex middle school are nearby, along with local shops and quick access to Geneva via the TPG network (Tram 14, bus) and the bypass highway via the Croisée de Confignon. A green, family-friendly setting on the outskirts of the city.

THE VILLAS

Each villa is described in detail below. Approximate floor area of 190 m² per villa across three levels, excluding the garage and basement.

Villa A - ANAE - a semi-detached villa spread over three levels:

  • On the ground floor, a living room of approximately 18.5 m² opens onto the 14 m² kitchen/dining room and extends out onto a terrace and a private garden facing southwest; this level also includes a 13 m² home office, a guest restroom, and an integrated garage of approximately 19.7 m².
  • Upstairs, three bedrooms—including a master bedroom with a walk-in closet—share a bathroom with a bathtub and a separate shower room. Large balcony of approximately 9 m².
  • The finished basement features a recreation/fitness area, a wine cellar, a laundry room, a shower room, and a utility room.
  • THPE-certified construction (heat pump, radiant floor heating, solar panels), built-in garage, and one outdoor parking space.
  • Price: 2,450,000 CHF, or 1,550,000 CHF (land share) 900,000 CHF (EG Contract)
  • Lot area: ≈ 413 m²
  • Private garden area: ≈ 317 m²
  • Gross floor area, including basement: ≈ 245 m² excluding garage

Villa D - DAYA - a three-story semi-detached home with a spacious layout:

  • The ground floor features a living room of approximately 18 m² that opens onto the kitchen / dining room of over 14 m² with direct access to the southwest-facing terrace and private garden, a 12 m² office, a guest restroom, and an integrated garage of approximately 19.7 m².
  • The first floor features three bedrooms, including a master bedroom with a walk-in closet, a bathroom with a bathtub, and a shower room. Large balcony of approximately 9 m².
  • The finished basement features a recreation/fitness area, a wine cellar, a laundry room, a shower room, and a utility room.
  • THPE-certified construction (heat pump, radiant floor heating, solar panels), attached garage, and one outdoor parking space.
  • Price: 2,450,000 CHF, or 1,550,000 CHF (Land share) CHF 900,000 (EG contract)
  • Lot area: ≈ 503 m²
  • Private garden area: ≈ 405 m²
  • Gross floor area, including basement: ≈ 245 m² excluding garage

Villa B - BERENICE - completely detached:

  • On the ground floor, a living room of approximately 18 m² opens onto the kitchen/dining room of over 14 m² and provides direct access to the terrace and private garden facing southwest; plus a 12 m² home office, a guest restroom, and an integrated garage of approximately 19 m².
  • Upstairs, there are three bedrooms, including a master bedroom of over 13 m² with a walk-in closet, a bathroom with a bathtub, and a shower room. Large balcony of approximately 9 m².
  • The finished basement includes a recreation/fitness area, a spacious civil defense shelter, a pantry/laundry room, a shower room, and a utility room.
  • THPE-certified construction (heat pump, radiant floor heating, solar panels), attached garage, and one outdoor parking space.
  • Price: 2,550,000 CHF, or 1,650,000 CHF (Land share) CHF 900,000 (EG contract)
  • Land area: ≈ 474 m²
  • Private garden area: ≈ 375 m²
  • Gross floor area, including basement: ≈ 247 m² excluding garage

Villa C - CAPUCINE - a single-family home designed for entertaining and enjoying a truly spacious living environment:

  • The ground floor is designed for socializing, featuring a living room of approximately 18 m² that opens onto the kitchen / dining room of 14 m² and the terrace, featuring a spacious 13 m² office, a guest restroom, and an integrated garage—all opening onto a private southwest-facing garden.
  • Upstairs, there are three bedrooms, including a master bedroom with a walk-in closet, a bathroom with a bathtub, and a shower room. Large balcony of approximately 9 m².
  • In the finished basement, a recreation/fitness area, a wine cellar, a laundry room, a shower room, and a utility room.
  • THPE-certified construction (heat pump, radiant floor heating, solar panels), integrated garage, and one outdoor parking space.
  • Price: 2,550,000 CHF, comprising 1,650,000 CHF (land share) 900,000 CHF (EG Contract)
  • Lot area: ≈ 757 m²
  • Private garden area: ≈ 658 m²
  • Gross floor area, including basement: ≈ 246 m² excluding garage

IN BRIEF

Four villas, two types:

  • ANAE and DAYA villas, semi-detached, priced at CHF 2'450'000,-
  • BERENICE and CAPUCINE villas, single-family, priced at CHF 2'550'000,-

All feature three bedrooms, an office, a finished basement, an integrated garage, and an outdoor parking space, spread over three levels and built to THPE standards.

Space, light, and contemporary comfort, set in a lush green setting in Confignon and just a few minutes from downtown Geneva: This magnificent project

Details

Neighbourhood
  • Villa area
  • Green
  • Mountains
  • Vineyard
  • Bus stop
  • Tram stop
  • Child-friendly
  • Nursery
  • Preschool
  • Primary school
Outside conveniences
  • Balcony/ies
  • Terrace/s
  • Garden
  • Parking
  • Garage
  • Gabled
  • Middle house
Inside conveniences
  • Garage
  • Box
  • Visitor parking space(s)
  • Open kitchen
  • Guests lavatory
  • Dressing
  • Cellar
  • Wine cellar
  • CP-Shelter
  • Fitness room
  • Built-in closet
  • Triple glazing
  • Bright/sunny
  • With front and rear view
  • Natural light
Equipment
  • Fitted kitchen
  • Connections for washing tower
  • Bath
  • Shower
Floor
  • Tiles
  • Parquet floor
Condition
  • New
Exposure
  • Optimal
  • All day
View
  • Clear
  • Rural
  • Garden
  • Fields
  • Mountains
Style
  • Modern
Standard
  • THPE (Very high energy performance)

Distances

 
Station
2.84 km
50'
17'
8'
Public transports
232 m
5'
5'
3'
Nursery school
505 m
16'
16'
4'
Primary school
505 m
16'
14'
4'
Secondary school
1.97 km
35'
18'
7'
Stores
658 m
14'
12'
3'
Airport
4.04 km
1h23
45'
15'
Post office
666 m
14'
14'
4'
Bank
1.41 km
24'
11'
6'
Restaurants
443 m
8'
8'
2'

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 1,394,928 (2026 scale, value indexed each year). If you meet these criteria, you will receive a reduction in transfer tax of CHF 20,924 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.