Moving
Your first flat: what it really costs
Rent is just the beginning. A realistic budget for starting out in your own home.
Published on · Swisscautionen24 · 4 min read
Moving out of home is a big step – and an expensive one if you don't do the maths. These items belong in the budget.
One-off costs
- Deposit: up to three months' rent. With a deposit guarantee without a bank deposit this chunk disappears; you pay an annual premium instead – with 10% off under 26.
- Move: van, helpers, boxes: CHF 300 to 1,500.
- Basics: bed, table, kitchen utensils, curtains. Second-hand saves a lot.
Monthly costs
- Rent including service charges (rule of thumb: at most a third of net income)
- Electricity and internet: CHF 80 to 150
- Household and liability insurance: CHF 20 to 40
- Serafe fee, mobile plan
- Food, transport, leisure
The reserve
Put two months' rent aside for the unexpected. Exactly the money you don't have to put in a blocked account.
Your money stays with you.
Rental deposit guarantee without a blocked bank account for flats and business premises across Switzerland. Apply online, get your certificate, keep your money.
Apply now