The sale price is not what lands in your account. From the sale proceeds come the repayment of the mortgage, the IBGI (Geneva property gains tax) held in escrow by the notary, the brokerage commission and a few fees. A real example from our files: a property sold for CHF 2'190'000, from which the seller received around CHF 875'000 net, the rest having repaid the bank and covered tax and fees. No unpleasant surprise is acceptable at that point. With us, this calculation is done at the valuation stage, together with your IBGI, not at the notary's: you know what you will receive before you even decide to sell.