Cryptocurrencies and the real estate market: entanglements and advantages

Cryptocurrencies, Blockchain and Bitcoin are terms that have entered powerfully into the collective imagination and modern culture, gaining more and more space and relevance.

Accompanied in the early years by skepticism and doubts, payments and investments through cryptocurrencies are now an established and secure way for moving money.

The security provided by the Blockchain, combined with its ease of use, makes the technology easily accessible, when one understands its basic mechanisms.

What is a Blockchain?

We are talking about a structure composed of individual digital blocks, connected to each other to form a secure encrypted network that makes every incoming transaction verifiable. Each block contains files of various kinds and information regarding the previous block: transaction data, time and date of recording, and unique cryptographic code.

Together, these elements make each block unique and do not allow any data to be changed, as a change would affect all previous blocks. Should an illicit change to a block occur, that block and its data will be excluded from the Blockchain and prevented from re-entering it.

This linear and easily traceable nature makes Blockchains very secure and suitable for peer-to-peer data transfer, potentially excluding intermediaries and financial institutions to complete the exchange. Moreover, as a digital ledger, Blockchain is decentralized, independent of geographic boundaries and immutable over time.

Spread and utilization of cryptocurrencies

The sectors influenced by crypto are many and expanding.

The gaming industry has made great strides, with international groups establishing loot boxes or video games based on this technology. Digital cards of famous sportsmen can cost even more than 50,000 CHF on major entertainment portals.

For its part, the art market has also developed new forms of digital expression.

NFTs (not fungible tokens) have gone through various phases, with strong price fluctuations and viral collections. Ultra-million-dollar sales of digital works and international collaborations help fuel the spread of this art form.

The world of music and entertainment is also taking advantage to the phenomenon, with album, magazines, and TV series covers made as NFTs sold at hefty prices, to the fortunes of producers and collectors.

The revolution is slowly moving toward widespread adoption.

From bill payments, to small everyday expenses crypto innovation is changing the payment habits of many people.

We are also witnessing this profound and radical change in Lugano, which through the Lugano Plan B program – – aims to become the cryptocurrency capital of Europe.

Even by simply scrolling through the map of the outlets participating in the project, one realizes how strong and present-oriented the digital transformation is.

What influences does this have on the real estate market?

The main advantage found by the introduction of crypto into our market concerns the purchase of real estate abroad.

Complications arising from distance and thus long travels, bureaucracy and complex property succession are almost totally eliminated by a transition that exploits of the digital wallet.

One of the main purposes of this new form of currencies is precisely to decentralize, diminishing the power of banks and intermediaries to date essential to complete the exchange.

In addition, the NFTs mentioned above have another huge advantage: they identify a unique owner, whether it is an imaginary or physical asset, such as real estate or a part of it.

The Blockchain into which NFTs are placed can take on legal value, acting as a notarized deed in the presence of a digital signature.

A token can represent a portion of a property, thus allowing small investors to purchase a portion of the property (mainly under construction) to resell later by recording a capital gain. This practice would be impossible in the absence of a shared networked digital marketplace.

Just as with many other industries, real estate requires large amounts of paperwork to make an exchange official and traceable. This entails the use of a lot of paper and classic filing that is difficult to manage.

So too, at the ecological level, a digital exchange offers its benefits. However, this is mitigated by the weight of the individual block: the more files a block contains, the higher the transaction cost. One solution to get around this economic issue are SVG files, which are very lightweight and can be directly registered on the Blockchain.

Various property purchases are being recorded worldwide and the phenomenon appears to be growing, including in Europe.

The Swiss market is showing interest accompanied, however, by a certain coldness. A series of transactions that make noise will probably be needed to shake things up. The  industry’s key figures, from acquaintances, portals, agencies, to the notaries, give a unique sense of security that is hard to give up.

Buying a house deeply involves the intimate side of each of us, and being able to lean on trusted people is still crucial in the decision-making phase.

The buying process in case of investment is also simplified by the existence of the digital market, offering new areas of economic development even for the less affluent.

The introduction of digital currencies will radically change the forms of exchange of goods and services, almost as much as done by the landing of the Internet.

The key to success for each industry will be to not show excessive resistance, to identify and take advantage of the new benefits, and to offer a service that will become increasingly in demand and established.

Change is an integral part of our society, and the real estate market, as well as many other socio-economic aspects, will be changed by the integration of cryptocurrencies, albeit in lesser forms than other fields.


Improving the quality of life at home and in the office by paying attention to geopathy

Hartmann’s nodes and geopathy: what is it all about?

Geobiology is a relatively young scientific practice that studies certain energy points that are potentially harmful to our personal health and well-being.

These points are known as Hartmann’s nodes (a German doctor theorizing the basis on which studies in this regard are based) and arise from geomagnetic phenomena operating underground. Identifiable by Hartmann’s network, a matrix of energy beams rising to the biosphere. The nodes represent the energy points where harmful radiations are concentrated causing the disorders we will discuss later.

There are several factors that can adversely affect the development of such energy nodes, such as underground water source, fault lines, and mineral deposits.

What effects can arise in connection with geopathologies?

The combination of these aspects results in excessive geomagnetic activity with radiation emissions that are harmful to many human beings, including us.

Disturbances resulting from exposure to Hartmann nodes are called geopathies and can take different forms and intensities.

Among the most common and troublesome symptoms of geopathy are insomnia, chronic headaches, mood swings, and, in severe cases, depression and sight problems.

Myth or reality?

Today, discordant theories about the reliability of node measurements coexist. The international scientific community is still searching for totally reliable instruments in this regard.

What is certain is that terrestrial electromagnetic forces affect the behavior of many animal species. For example, dogs and sheep tend to move away from strengths deemed harmful to their existence.

Ancient Chinese people (particularly being part of the Feng Shui current) and the ancient Romans observed animals to decide where it was appropriate to build temples and homes, avoiding areas not covered or avoided by their four-legged friends.

At the same time, there are now various professionals who intervene with well-founded measurements to identify any knots.

How to protect yourself from geopathy

In addition to contacting specialists in this field, repositioning furniture and changing the position of the bed (during the night our body is more susceptible to electromagnetic fields) can help to combat symptoms of geopathy.

The office workstation, the bed or the living area are the places where we spend most of our time. Finding a balance and proper positioning of each component can alleviate or resolve various ailments.

Should you have any of the symptoms listed above that persist over time and to which you do not give an explanation, looking for the causes in geomagnetism problems could provide you with a new key to solving your negative moods.

If you notice a correlation between mood swings and certain zones, consider a geopathic analysis. But as in any area, be careful and rely on certified professionals to improve the quality of your life at home or at work.


Selling your home through an estate agency: 3 questions to ask to choose the right one

Real estate agencies are not alike. There are often substantial differences and not all owners can grasp them. The reputation of the agency is the first requirement to check. Every owner should ask the agency the right questions before giving it the mandate to sell. But let us see which ones these are.
Who will you contact for the sale of my property?

Every property has a well-defined audience of potential buyers. If we are talking about a property that can only be sold as a primary residence, we will have to address a local audience or actively seek out those who are willing to move permanently to our territory. If, on the other hand, we are talking about a property that can also be sold as a secondary residence, we can extend the proposal to foreign countries within the limits set by the Federal Law on the Acquisition of Real Estate by Persons Abroad (LAFE). The database of potential buyers varies from agency to agency; it is therefore possible that the property for sale does not even have to go on the market to be sold. Agencies working with high-performance management systems have the possibility of finding a buyer immediately. Just enter a few details about the property and within seconds the names of those who are looking for a similar property in terms of square footage, location, number of rooms, price and more will appear on the management system.

What is your marketing strategy?

The marketing plan is crucial for the sale of real estate. The agency commission also depends on it. Being present with standard and luxury real estate portals covering much of the globe is definitely an advantage. Using Google’s artificial intelligence and proactively searching for buyers is equally important. How the value of the property will be perceived by the public is fundamental, which is why photographs must be professional. The agency must be able to offer the property in multiple languages to increase the pool of interested parties. Subscribing to international networks, especially in luxury, also brings many benefits for sellers. These “memberships” amplify the visibility of real estate objects by positioning them not only online via the web, but also in internationally renowned newspapers. An exclusive tool, such as a company magazine where properties for sale are published and distributing it in strategic areas or locations, helps the promotion of the object for sale.

How will you handle the visits?

The agency must be able to perceive already during the first contact with the potential client whether the property is in line with his search, or whether it is a less serious request. By means of a well-defined process, through specific questions, the agency will propose a visit or not. Owners must be protected, and their privacy respected at all times. There is no point in bringing homeowners clients who cannot afford to buy certain goods, or who have different needs. The work of the agency cannot be measured by the number of visits made, but rather by the careful selection of potential buyers. Speaking the buyer’s language can make all the difference. Putting the buyer at ease and thus empathising will facilitate the sales process.

So, carefully choose the agency best prepared to sell your property and be demanding!


Glass: its origins and applications

Glass is a material that has always existed in nature. It is used in a variety of fields, in architecture, for tableware, to create furnishings, to speed up fibre communication, to produce solar panels, for food preservation, in medicine, for research and more.

Glass is available in nature

Volcanic eruptions, meteorite impacts with the earth and lightning strikes cause very high temperatures that melt the quartz sand on our planet. It is in the Neolithic period that the first findings of cutting tools made of glass are located. But it was in Mesopotamia in the third millennium B.C. that glass production began. This naturally available material gave the craftsmen of that time the opportunity to create ornaments and tools. The Egyptians, around 1,500 years later, continued the production and used the technique they had learnt to create jewellery, vases and ointment bottles.

The “recipe” for glass was created by the Assyrian King Ashurbanipal in 658 B.C. With 60 parts sand, 5 parts chalk, 180 parts dried seaweed powder and very high temperatures, fluid glass was created. In 100 B.C., the blowpipe was invented, which gave glass a lower thickness and different shapes. One hundred years later, the Romans used this technique to produce pottery, goblets embellished with ornamental stones and the first rudimentary windows.

It was the Venetians who took the title of the most skilled glassblowers, and this is still the case today. The Venetians are the protagonists of the Renaissance art of glassblowing tradition. In the meantime, the most varied techniques for the use, production and shapes of glass were being experimented with throughout the West. Thus, the first eyeglass lenses and Galileo Galilei’s telescope were invented.

In France, the technique of casting glass on a board was used for the first time. Thanks to the use of a roller, it was possible to give the glass the homogenous shape and thickness ideal for the production of mirrors. The technique was later exported and these Rococo-style mirrors adorned the palaces of the nobility of the time.

Thanks to the industrial revolution, the first machines were invented for the mass production of various glass objects. It started with bottles and on to the present day, with the production of many other items.

Glass nowadays

Today, glass, combined with other components, is highly resistant and versatile. Think of the armoured windows of banks, jewellery stores or the windows of some cars. The skyscrapers of many cities employ special windows; from the outside they look like mirrors, while from the inside the visibility is perfect and clear. Today, glass is an integral part of our lives. We are aware of its qualities, particularly with regard to environmental protection. Glass has allowed us to rapidly evolve technologically, to make important advances in research and in medicine.


Will rising interest rates in Switzerland really bring down real estate prices?

Buyers in Switzerland have seen an increase in interest rates on mortgage offers for the purchase of real estate. This increase in rates should have brought down real estate prices, but it did not. Let us try to understand why.

Increasing demand for real estate in Switzerland as well as in Ticino

The Swiss and Ticino real estate sector is currently experiencing great demand for real estate, both from foreigners and from the Swiss themselves. This climate of uncertainty due to the geopolitical situation that is affecting the whole world, has prompted savers to invest their money in a stable market and in an ever-expanding sector. In fact, the Swiss real estate market has always been very attractive and profitable; and especially so now. There are many real estate agencies on our territory, as well as in the rest of Switzerland, that receive enquiries from foreigners for the purchase of real estate every day. It is as if to say that those who can afford to choose where to live in this uncertain historical period, choose to move to a neutral country and, above all, one with a stable government, such as Switzerland. The post-pandemic period has also played its part, completely changing people’s needs. Today, requests for single dwellings with a garden are the most popular, both from residents and from those coming to our country for the reasons listed above and especially because outside the Swiss borders the political climate conveys little security.

Population increase and decrease in new buildings

The political choices made by the Swiss have made Switzerland a wealthy country today. Our labour market, thanks in part to the imposition of minimum wages, is healthy and allows families to look to the future with optimism; and why not, even to start a family more than only a decade ago. Many of the people who fled their country because of the war will remain in Switzerland. But as we know, ours is a small territory and the building areas that remain are not many.

New construction: yes, but when?

Even if there were still plenty of building land in our little Switzerland, let’s not forget that the current geo-political situation, with sanctions and all the rest, is causing delays in material supplies, and even increasing them.

The energy crisis has also contributed to higher prices.

Prices on real estate in Switzerland are therefore not tending to fall, but rather to stabilise. In fact, for some new offers, we should not be surprised to see rising cost estimates made only six months ago!


The features that characterise the best places to live

When we choose a place to live, in addition to the dwelling, we also choose the neighbourhood in which it is located. We have identified the five basic features that preserve and increase the value of a home. This is as true in our small Swiss territory as anywhere else around the globe.

Low crime rate

A low crime rate is certainly one of the first requirements when choosing a place to live. In large cities, crime is a sensitive issue, because there are often suburbs where security is less present than in residential areas inhabited by more affluent families. In so-called “rich” countries, such as Switzerland for example, one feels safe precisely because of the low crime rate.

Schools and universities

Schools and universities play an important role in the choice of where to live. It is where children can comfortably reach their school on foot or by transport that families prefer to stay. The more accredited these institutions are, the greater the advantages of living in these locations. Neighbourhoods close to an accredited educational institution also increase their long-term value. Precisely because of the presence of many children and adolescents, the district is patrolled more by police officers and monitored by public security, such as parents themselves for example, or by private security hired by the school.

Access to transport

Quick access to transport is a further factor in choosing the area in which one wants to live. More and more people today choose to avoid the car, preferring instead efficient public transport services such as trains, trams, buses, and the metro. Think also of younger people, who can feel more independent from their parents when going out with friends or going to school. For the elderly, it is just as convenient to have public transport near their homes, thus avoiding driving a car in modern-day traffic.

Green areas and parks

Green areas and parks where to socialise, play, jog or take a walk with one’ s dog are also an issue to be considered. Although some areas are small and very built-up, it is still possible to find neighbourhoods that have preserved their green lungs. It is in these places that generations mingle, and bonds are strengthened. It is pleasant to admire nature from the window and enjoy the view of a lake, the sea, or green hills.


Districts where services such as pharmacies, banks, restaurants, and shopping centres in general abound are very attractive and in demand. The more these services abound, the more prestigious the neighbourhood. Indeed, when a restaurant opens in a given district, or a bank decides to set up its branch there, it is because they both count on their target audience.

Hopefully, these features of the best places to buy real estate will help those who want to invest their money well.


Barrier-free construction also for private homes. A long-term investment

Barrier-free construction is not only implemented in public facilities, large residential buildings, buildings with 50 or more employees and care facilities as required by the SIA 500 standard. Although it is not mandatory for single-family homes, many private individuals choose this path when building their homes. It is a long-term decision taken with an eye to the future.

Avoiding architectural barriers and increasing living comfort

Barrier-free construction aims to make the home usable, giving its inhabitants greater freedom of movement. These barrier-free buildings, of course, allow disabled people to participate actively and independently in all social activities; but not only them.

The advantages of a barrier-free home affect everyone who builds their home to stay there as long as possible. Young people may not yet consider this aspect but only think of a mother who has an infant in a pram; architectural barriers are also a problem for her. Even small children grow up and begin to move around the house with a walker or tricycle. Giving them the space they need without fear of them hurting themselves is reassuring.

Elderly parents would be more motivated to visit their children if they did not have to deal with the common architectural barriers we often find in homes. Your wheelchair-bound friends would also be happy to spend pleasant moments in your company in your new home. No one wants to think the worst, but it could happen to anyone to break a leg and be disabled for a limited period. Advancing age is another factor to consider. Staying in one’s own home even in old age could make life happier for the elderly. When we opt for an obstacle-free construction we increase living comfort; often it also means an increase in value.

Living in one’s home for a long time

Architectural obstacles in private homes are different for everyone. From stairs without a ramp, to doorsteps with a difference in height, to a kitchen countertop that does not allow for adjustment, to narrow corridors, door handles that are too fine, parking spaces that are too narrow to place a wheelchair next to, and more.

For your home, you have the opportunity to decide which barriers are important for you to avoid, so that your home allows you to live comfortably both in the present and in the future.


There are those who find in noise a rhythm for dancing (Wesley D’Amico)

Heating or air conditioning systems

The oil and gas crisis of recent months has prompted many people to want to replace their oil or gas heating systems with heat pumps. Likewise, the scorching heat of this exceptional summer has once again brought the subject of air conditioning systems into the limelight. Be careful when planning, because these installations can become a bone of contention among neighbours when it comes to noise!


It is common knowledge that the installation of an air conditioning or heating system requires a building application (or notification). Among other things, a noise assessment must be carried out to prove that the limit values of the Noise Abatement Ordinance are met, and that all possible and economically viable measures have been taken to reduce noise emissions.

Let us see how.


Regulations and preventive measures

First of all, it must be said that the Federal Law on the Protection of the Environment stipulates that people, flora and fauna and ecosystems must be protected by means of preventive measures. That is, in a first step, everything must be done to ensure that nuisance emissions are reduced at source: this is called the prevention principle. The second step is to protect people from harmful immissions. This applies to air pollutants, noise, vibrations, and radiation.

The difference between emissions and immissions can be illustrated using the example of noise: noise emissions are those generated by a source, e.g. a plant, and are the noise perceived at the source. Noise immissions, on the other hand, are the noise e.g. from a street together with noise from other sources and background noise perceived with open windows.


When it comes to heating or air conditioning systems, there are several options that can be implemented to comply with the principle of prevention: installing the system inside a building (in the basement or a technical room), for example, is an excellent construction measure to reduce noise at source. If this is not possible, quieter systems can be chosen or sound-absorbing enclosures can be installed on the external units of air conditioners, for example. There are also measures for operation: for example, switching off the systems during certain hours of the day by setting a timer or taking advantage of the night mode, in which the system operates with reduced emissions. The location where a system is installed outside the house can also be decisive in reducing perceived immissions in the surroundings and consequently friction with neighbours.


In any case, the issue must be seriously investigated, even if an initial assessment shows that noise immissions comply with the limit values defined in the Noise Abatement Ordinance. This is because the Swiss Noise Regulation, still confirmed by the most recent case law, stipulates that emissions must be limited to the maximum extent permitted by technical progress, operating conditions, and economic possibilities, irrespective of the existing noise load. If it is therefore possible to further significantly reduce noise emissions at source with a measure that is both technically and financially feasible, then the measure must be implemented, even if the limit values are complied with. In the evaluation, the technical feasibility and the “decibels” saved must be compared with the costs of the measure, which must always be proportional.


In conclusion

Do not get caught up in the rush and do not underestimate the issue of noise, because giving proper attention before the installation of a system means less friction and conflicts with neighbours afterwards.

Also, from a financial point of view, taking the appropriate measures before construction is much more advantageous than having to make expensive changes later on or having to move an installation.

Written by

Katharina Schuhmacher

Dipl. sc. amb. ETHZ – Owner of eambiente

Via Cà del Caccia, 2 – 6943 Vezia

+41 (0) 91 797 41 20 –


Conventional brick house or prefab home?

Prefabricated wooden houses are designed with the aim of reducing energy consumption and improving living comfort.

Prefabricated buildings in Switzerland are becoming increasingly popular. This is hardly surprising.

It is well established that prefabricated wooden houses offer a significantly higher quality of life and living comfort than a house built using traditional methods.

In addition to being a natural and therefore healthy product, wood allows for unparalleled energy standards, significantly reducing energy needs and pollutant emissions into the environment.

These are the main reasons why prefabricated houses in Switzerland are becoming increasingly popular.

The advantages of living in a prefab home

Let’s start with the price. The construction cost of a prefabricated house is significantly lower than one built using the traditional masonry method. With building land prices becoming increasingly expensive, it becomes important for homeowners to limit construction costs.

A prefabricated house is also considerably safer from a structural point of view. In fact, wood is an elastic material that allows the structure to better withstand seismic shocks. The low energy consumption is in fact attributable to wood, a highly insulating material that allows for minimal energy expenditure.

The construction time of a prefabricated house is very short. You can move into your new home within a few months.

The design is also state-of-the-art. Contrary to popular belief, the prefabricated house can meet all requirements for comfort and elegance. You can therefore design your own custom-built house considering all those details that will make your new home unique.

What is a hybrid prefabricated construction?

The hybrid prefabricated house has nothing to envy to a classic house built using the traditional masonry method.

It makes use of different materials such as wood, steel, stone, or concrete.

Hybrid construction is a new concept in the world of architecture and in the world of design. Hybrid prefabricated houses enjoy original details and a variety of materials that are rarely found in classic construction.

Therefore, for all those who wish to build their own prefabricated house but cannot do without a stone fireplace that makes the winter romantic, we recommend evaluating the hybrid prefabricated house.


Alternative financing dedicated to real estate project developers

A new international collaboration

In 2022, Jetika Group partnered with an international investment entity, a London-based real estate and debt financing advisory firm. The company works with around 300 lenders and has closed transactions worth just under £ 3 billion. It specializes in providing innovative financing solutions, in situations where traditional banks fail to serve customers satisfactorily. This was especially necessary during the Covid period, when the company served many customers who were in difficult situations.

Guarantees across Europe

The fact that our partner’s lenders can accept guarantees across Europe means that they can find tailor-made cross-border solutions; for example, a Swiss customer could buy a property in Germany, buy a property in the UK or in the Principality of Monaco. In addition, many of our partner’s lenders are private family offices and investment funds that grant loans in Switzerland and Europe. Typically, these lenders offer higher LTVs and can act faster than traditional banks.

Private loans and financing

Our partner is able to unlock private loans against liquid financial assets such as stocks, bonds, ETFs and cryptocurrencies. Our partner is also able to assist clients in financing valuables such as jewelry, artwork, watches, luxury cars, yachts, and airplanes. If you are a European corporate client looking for financing, our partner could help you with corporate loans or with various tailor-made solutions. Thanks to this fruitful collaboration, several real estate operations are already proceeding successfully.

Jetika Group is available to evaluate your new national and international real estate projects, as well as constructions, renovations, or real estate purchase operations. Do not hesitate to contact us for more information.


Vegetable garden and sowing in May

May is the month of the first real heat and the ideal month for planting many summer vegetables. No more late frosts will come to spoil your work, except perhaps in mountain areas. You can abandon heated seedbeds and sink your hands directly into the soil outdoors. In addition, those who have worked well during March and April will be able to transplant their seedlings into the vegetable garden.

May is also the ideal month to prepare outdoor seedbeds that will provide seedlings for the vegetable garden during July and August. A box of fertile soil will be sufficient to grow, for example, cabbage seedlings that you will eat in autumn. The warm weather in May will ensure the growth of these vegetables without the need for a greenhouse.

Open field sowing

In May you can really indulge in sowing fruit and vegetables. Sow melons and watermelons, tomatoes and chillies, carrots and peppers, chard and ribs, carrots and thistles, lettuces and all sorts of salads.  All aromatic herbs such as basil, parsley, marjoram or mint. In short, May is the perfect month to prepare our vegetable garden and enjoy its fruits during the summer.

Moon phases

There are theories that claim that the moon influences the growth of our vegetable seedlings. However, there are no studies that confirm their reliability. If you would like to follow the phases of the moon for sowing, then we can advise you:

  • Berry vegetables, as well as flower or fruit vegetables, should be planted during the waxing moon phase.
  • The waning moon phase is thought to be more suitable for planting vegetables that grow underground.
  • Leafy vegetables also seem to prefer the waning moon.

It would certainly be interesting to try the lunar calendar and discover its secrets.


Buying a house. The three most difficult customer profiles

He who disdains buys. This proverb suits a category of customer called the “hypercritical customer”.

This person wants to buy your property, has already selected it from the many available, but once inside your home, has objections to everything. He/she points out small defects, criticises the choice of the layout, devalues the geographical location, complains about the services available nearby and raises problems even where there are none.

The question arises as to why he/she has come to visit your property and why the real estate agent must be put in such an awkward situation in front of the owners.

The answer is very simple. The hypercritical client wants to wring your neck and pay much less than the market price.

If you have to deal with this type of client, we advise you not to give in and to let yourself be advised by your trusted professional who will be able to stand up to the client’s provocations.

Another example is that of the “insecure customer” who visits your property three, four, five times.

He is accompanied once by his brother, another time by his mother-in-law, then by his friend, the next time by his architect and again by the boyfriend of his cousin who has just bought somewhere else.

In short, a lot of patience and time is needed with this type of customer. It happens that during the visits all possible and imaginable questions are answered, but the feedback is never sufficient.

This client has no confidence either in himself or in the people close to him who advise him.

With this type of client, it is important to remain neutral and detached, without trying to condition him, but rather to set limits and deadlines. After a period of silence of varying length, you will see that he will come back and finally buy your property.

The last profile is the “curious customer”.

This type of customer is the one who has no intention of buying your house.

You can tell by the questions he asks and the very evasive answers. Instead of focusing on the property, he is more interested in your lifestyle, the power of your car or where you have been on holiday.

When you ask him specific questions, such as when to buy, or essential criteria of the house, he is not prepared.

He comes to your home because he has a lot of time on his hands and is often bored.

With this type of client, it is important to avoid the visit at all, but rather to start with a bank analysis to ensure that the investment he is interested in is in line with his current financial situation.


A new built house or one in need of renovation?

The house of our dreams often does not exist. We all have expectations that change with the passing of time and the order of priorities. Finding the perfect, or almost perfect, home requires a lot of energy and above all some compromising. There are people who want to find that one home, in our small area, that was planned by another person, who had other needs and other priorities, perhaps even from another generation, but which completely reflects their own needs.

Ready-to-live houses, which do not require work on the layout or, at least, require only a few adjustments, put us in front of compromises that make us move away from our ideal of the perfect home. For those who intend to go in this direction, that is to buy the house or flat ready to live in, we suggest being open to solutions other than those that have been set. The ready-to-live object, perhaps even new, is proposed with spaces that might not coincide with our lifestyle, and we find ourselves buying a real estate object that does not fully fit in with our daily life. If, on the other hand, we are adaptable people, who live in one country today and in another the next day, not making long-term plans because taking life differently, then a “compromised” home can fully meet current needs. This clientele, often foreign, has a different approach to housing than a resident might have, probably due to his or her values, profession, education or beliefs.

This is why new building sites or houses to be renovated offer us the advantage of being able to be modelled on our needs. A property development, depending on the progress of the work, allows us to move walls and intervene on the unit we are interested in, so that it has the characteristics that best suit our lifestyle. The renovation of a property takes time, but it can certainly meet our expectations. Let us not underestimate the financial aspect; the advantage of buying a house to renovate will start the negotiation process; estimates in hand, we sit around a table and achieve the goal of both parties, which is the sale. Remember that our territory is very beautiful but limited. Building land is becoming increasingly scarce and its cost is rising accordingly. In addition to the advantages listed above, the renovation route also enables a neighbourhood or an area of land to be redeveloped. With a far-sighted vision, thinking also of future generations, the redevelopment of our homes would bring long-term value to our area.


The property finder-figure: hunting for real estate

The property finder is a professional figure that is increasingly in demand in real estate agencies. It is not enough to have professional knowledge, diplomas and the ability to put in place all the strategies that lead to the sale of a property to be a successful estate agency.

The property finder is the one who finds the right property for the specific requirements that are submitted to him. 

In an estate agency it is important to have the profile of the property finder; it is not always the case that people who come forward for a particular property will actually want to buy that property. Perhaps the location and architecture match, but the space may not. The price is right, but there is too much to invest for it to reach expectations. 

In short, the step of buying a house is an important one and the house for sale must therefore reach many or probably all expectations.

How to become a property finder

No need for schooling or qualifications. The property finder has an incredible network of contacts and cultivates his relationships with great care. He comes from a wide variety of professional backgrounds. He is a very communicative person who knows how to empathise immediately with his interlocutors. He’s that person who always knows everything about everyone and has such a charismatic, attentive and listening personality that for those in front of him, telling becomes a spontaneous action. 

The property finder has above-average emotional intelligence. He has an infallible memory, is well versed in body language and the basic principles of communication. You will often see him at events, parties, openings and wherever there is a chance to meet new people. Every occasion becomes an opportunity to bring in the right property for that particular client who is looking for it.

The property finder knows the value of his contacts and valuable information. He knows exactly how to reach the homeowner, who has not yet commissioned anyone to sell; usually it is because he is still evaluating the right real estate agency, the one with the best performance, offering him the best contacts and services. 

Unlike the real estate referral, who, in exchange for a small percentage of the sale proceeds, recommends an estate agency to his acquaintances who wish to sell their home, the property finder works exclusively on the targeted search for a specific object, for a specific client and, uniquely, for a specific real estate agency.

The differences between a classic real estate agent and a property finder

The job of a classic estate agent involves many processes, and it is by no means self-evident that all the daily tasks can always be fulfilled. These include visits, acquisitions, on-site inspections for the valuation, preparation of sales documents, certifications from technical offices, organising the professional photo and video shoot with the drone, when the weather is on our side; then drafting an attractive sales dossier, in four languages, perfectly translated. In the meantime, responding to customer enquiries: during the week no later than four hours after the enquiry and on weekends and holidays no later than eight hours. 

The figure of the property finder, on the other hand, only deals with the targeted search of customer requests.

In addition to these two figures, an agency should also offer its clients the advice of one or more architects. This is useful for taking measurements, redrawing plans and dimensioning them so that the square metres are displayed accurately. It is indispensable for checking the feasibility of certain improvements, budgeting them or producing photorealistic renderings of the highest quality.

Homeowners expect the sale of their property to be quick and profitable; therefore, in addition to the professionals mentioned above, Jetika Group also provides an interior design professional: the home stager.

soluzioni di arredo

How to gain space in small dwellings?

Small houses have a small surface area. It is therefore important to make the best possible use of all the metres and centimetres available so that all our needs can be met.
The small size of the home only proves to be efficient and meets our needs when it is functional.
Numerous studies about small surfaces have shown that they can adapt to the size of the person living in them. Le Corbusier, for example, studied a scale of proportions between the human being and architecture.


The small two room apartment containing a 3.5 room.

Let’s start with the kitchen, which is both a piece of furniture and a place of work. Meals are prepared and utensils are used in the kitchen. Opting for a furnishing that can be re-closed after use allows you to store all the materials needed to prepare the dishes and at the same time, encloses the drawers, cupboards, cooker, oven, fridge and all the other appliances. This is a practical, ingenious and, when well designed, impressive first space-saving solution.
Partition walls between rooms can be replaced by plasterboard storage walls. When these walls are deep enough, they can contain empty spaces that can be used for a variety of purposes. Shelves or wall-mounted furniture such as bookcases, wardrobes and cupboards also free the floor space from obstructions and make room for the sofa, bed, table, chairs and armchairs.


Where there is a small laundry space, this can be used to create ‘overhead’ storage. Taking advantage of the wall above the washing machine, we can hang a container for detergents and various materials.
Even the bathroom can conceal precious hanging spaces or corners that can be used for our beauty or toiletry products. It is important to choose carefully which of these spaces are best used with shelves and containers to hang on the wall so as not to obstruct the brightness of the room.


The bed with storage is another interesting invention for storing a change of sheets or for storing pillows and duvets. The fold-down bed also offers the possibility of enjoying the space effectively. It is only opened when our activities in the home are finished, and we are ready for a well-deserved rest.
Another useful tip, whenever possible, is to use the heights to create mezzanines. In these places you can put your suitcases, hoover, drying rack, ski equipment and much more.
With the right lighting, a pinch of creativity and a good dose of practicality, people can easily adapt to living space that is literally made to measure.

architettura sostenibile, bioarchitettura

Bio-architecture: what you need to know to live in harmony with your home

Bio-architecture, which originated in Germany at the end of the 1970s, was primarily a response to the worldwide energy crisis of 1973. Its principles were initially based on energy saving. Bio-architecture wanted to bring alternative energies to oil into homes. Today, bio-architecture meets many more criteria, so that it has become a true medicine for our homes and the human beings who live in them. Bio-architecture is the discipline that makes homes resilient to external changes, flexible and adaptable to future needs, and energy self-sufficient.


Orientation, passive ventilation, thermal insulation, protection and recovery of precipitation, reduction of heat loss, solar heat storage and diffusion are some of the principles on which bio-architecture is based today. Bio-architecture also takes into account how important it is to choose the right place to build a house and, above all, with what kind of materials. Bio-architecture dwellings safeguard the physical and mental well-being of human beings and are ecologically sustainable at the same time.


Yes to bio-architecture, but in which case?

If you want to build your house in bio-architecture, you first need to choose a suitable location. Not all geographical conditions are suitable. Shade or too much sun can be used to your advantage or can be a problem. The proximity to a watercourse can be an advantage, but it becomes inconvenient when this water source is located on the underground axis running through your home. Obviously, materials also need to be considered. Today, for example, paints can make use of nanotechnology, which, thanks to properties such as silicon oxide and titanium molecules, which are available in nature, can help to insulate homes. In bio-architecture we tend to recycle materials from the past whenever possible. Clay, wood, stone, plaster or hemp not only have a minimal impact on the environment, but also reduce temperature fluctuations and absorb humidity. The 0 km approach is another principle of bio-architecture. Transport costs are lowered and building materials found in nature in a particular region are also better suited to the climatic characteristics of that place. The materials used in bio-architecture must be free of radioactivity and must be disposable without harming the environment.


Some bio-architects can even go further and prevent the geopathies to which many of us are susceptible. This is also where the principles of Feng Shui discipline come in. In such cases, the environment as a whole is studied, paying particular attention to telephone masts, Curry or Hartmann lines; it is advisable that energy beams from the deep layer of the earth do not collide with the human being who inhabits the space. Attention is paid to the orientation of the bed to ensure a restful night’s sleep, or to creating a home power grid that bypasses certain areas of the house. These principles are also based on the frequencies of MHz waves which help to reduce various types of domestic pollution. With a few tricks, it is possible to live in harmony with our home and cure insomnia or migraine.

valore di un immobile, stima immobiliare

How much does the finishing of a property affect its value?

The finishing of a property includes all the materials used, the installation techniques, the brands of appliances or equipment, and all the elements and accessories used to complete a home. Finishes also represent the level of prestige attached to a property. Besides the location, views, nearby shopping, schools, green areas and public transport, finishes are equally important in determining the value of a property. The newer or more recently installed these finishes are, the more valuable the property will become.
However, a new and modern finishing, which may also be expensive, does not always make our real estate easy to market. Let’s find out why.

The brightly coloured kitchen.

In order for a property to gain value, or not lose it, we have to consider that every finish in our house has a life cycle. It is important to keep the elements that make up these finishes in good condition, but not only that. They have to be liked, and everyone has different tastes. People who buy a property often want to personalise it for their own needs and according to their own criteria of beauty. Doing so, however, sometimes compromises the resale, especially when the finishes have unusual colours, original materials or bizarre poses.
An orange kitchen, for example, will only appeal to a very small group of people. The vast majority will probably prefer less fancy and neutral colours. If a buyer of your property does not like the colour of your orange kitchen, he will certainly offer a lower purchase price that takes into account the cost of replacing the kitchen. Even if it is new or hardly used, has the latest appliances and comes from a well-known manufacturer, this orange kitchen will prove to be a bad investment.
Sometimes we forget that our children grow up and will leave their nest in the future. We also forget that life is unpredictable. A job opportunity in another canton or another country would force us to reassess our certainties and perhaps even put our house up for sale. Since we don’t want to lose out on the investment, we’ve made in buying our property, one suggestion that will prove successful is to opt for finishes with sober, elegant and classic materials and colours; those that never go out of fashion.

abitazione sostenibile

Protecting the environment: steps to make my home sustainable.

Our planet is suffering, and we must act now to avoid aggravating the situation and the impact that each of us has on the earth. We are gradually becoming aware that our actions and behaviour could damage entire ecosystems. We see that there is a revolution in thinking taking place that is leading us towards a more sustainable and planet-friendly era.
Our mobility is changing, turning to electrical energy. Hydroelectric dams are being built, which today produce 65% of Switzerland’s energy needs, wind farms are being set up to produce clean energy and we are seeing many roofs covered with solar panels. Each of us, in our own small way, can also help limit the damage, starting right at home.


Heating: what to do to limit the damage and to invest money well

Unfortunately, there are still many homes that are heated with oil-fired systems. There are also more modern properties that burn gas to heat rooms. We know that both solutions create waste that is released into the environment. There are pellet or coal-fired systems, and these are not environmentally friendly either. So, what can we do to avoid polluting without spending a fortune?
Let us start by adjusting the temperature in our homes downwards. There is nothing to stop us from wearing a sweatshirt indoors during the winter instead of the usual T-shirt. This action has no impact on our wallet!
Of course, it costs money to change the windows in your home, but you should be aware that a large part of the heat loss occurs through the windows. It is expensive to replace them with double or triple glazing, keeping the heat inside during the winter, but it will be a long-term saving compared to what you would have spent by continuing to ‘throw heat out of the window’.
Insulating building walls and roofs is not cheap. But even in this case you will achieve important benefits in the long term. There is a lot of heat loss through poorly insulated walls and roofs.
A heating system that replaces fossil fuels is expensive, as we all know. But it is a good investment. The benefits for the environment, for your wallet and for the value of your property will motivate you to take this step.
Another good investment, if possible, is to add solar panels to the roof of our house and use this technology for the house’s electricity needs. Today, this technology is probably the cleanest, cheapest, and most profitable thanks to the subsidies available and the resale of the stored excess energy.

technological greenery

What is technological greenery and what are its applications?

Today, there is an increasing discussion about “Biophilic Design” and technology-supported greenery, two concepts that are closely linked and used in architecture to increase the relationship with nature on the part of those who use the spaces of a building. By using vegetation, natural light and eco-friendly materials, it is possible to live “green” even in large cities. Its applications are manifold, both for interiors and exteriors. More and more buildings are showing off their unusual, but original, green dress, especially in city centres or heavily trafficked regions. This green technology thus allows greater air oxygenation even in the most congested areas. Besides reducing noise, they also add a touch of elegance and movement to buildings that would otherwise be ordinary apartment blocks. Inside the home, these technological gardens offer a pleasant, relaxing and refined environment. The use of these green walls is maintenance-free thanks to their technology. Vertical gardens absorb CO and release oxygen, just like any other potted plant that needs constant care to survive indoors.


Our partner “Verde Profilo” recognises itself in this vision because for years he has been creating unique and tailor-made solutions for its customers, with a style entirely linked to “green design” and well-being.


Among the solutions of “Verde Profilo” suitable for creating environments that meet these criteria, there are solutions for interiors, as well as for exteriors.


  • MOSSwall® the innovative product for creating maintenance-free vertical indoor gardens. It allows you to create, in a short time, suggestive natural coverings with different and totally natural colours. MOSSwall® is antistatic and antibacterial, creating an environment that is hostile to the reproduction of insects. MOSSwall® is a stabilised natural lichen that can only be used indoors, where a relative humidity level of 40% is guaranteed. It should not be exposed to direct sunlight, heat or weathering.
  • Vertical Gardens, with VP-MODULO system, a structure patented by “Verde Profilo” that exploits the most advanced technologies, without
  • losing sight of the needs of design and creativity.
    The “Gardens” make it possible to create more green areas, improve sound absorption, temperature perception and purify the surrounding air, trapping atmospheric pollutants. Finally, they create islands of warmth, thanks to the evaporation of essences, thus forming real oases of biodiversity.
    The “Gardens” are made of recyclable materials.
    The “Vertical Gardens” offer freedom in design, with a wide range of botanical choices thanks to special applications such as VP-EASY and Greenery.
  • VP-Cloud is an innovative, natural and functional green design product that can be integrated into people’s daily lives, transforming an element such as lighting into a decorative element adorned with plants. The idea stems from the need to be able to insert plants in interiors with limited space: the “ceiling” dimension becomes usable green space.

A wall or a ceiling made of “green technology” could be a much-appreciated solution even for those who do not have green fingers.


Call us for more information and come and visit us in our Lugano office to appreciate our vertical garden!



“We value your property online for free!” What is behind this offer?

On the web you will find various free tools and real estate agencies that offer free online property valuations. All you have to do is fill in the required fields, enter a few compulsory details, such as the precise address of the property, sometimes even pictures and there you go; in a flash you will receive your free property valuation by e-mail. Fantastic! Of course, this method would be great if the range between the maximum and minimum market price were not so wide.
And what about your personal data? Have you ever thought about that? Where does it go? Who can use it and how?

The real estate agent who gives a free valuation without obligation

Our aim as real estate agents is to find properties and convince the owner to sign a sales contract with us. It goes without saying that we look for all available means to achieve this. However, a comparative evaluation of properties for sale is quite different from an accurate analysis of the property market. If property valuations were so easy to compile, and even free, certified valuation experts would starve! A true real estate appraisal, which reflects the market price, costs between CHF 1’300 and CHF 1’500 for a so-called “normal” property and can even double that when we are talking about multi-family houses. So, have you ever wondered why an estate agency would risk such a sum if the other party, our client, then decided not to commit to a sales contract? An agency that proposes a valuation, a true appraisal of the property, only does so with a signed sales mandate. It bears the costs because it is in its interest to give the potential buyer all the information about the property for sale, so that even the bank of reference for any mortgage has little reason to object to an official document.

The market for personal data

In Switzerland, too, there is a market for our personal data. Some companies offer to sell e-mail addresses, traditional mail addresses, telephone numbers, and much more. It is possible to buy the personal data of our potential clients, based on the characteristics that best suit the product we want to sell them. Have you ever wondered where this data comes from? How is it possible that we sometimes persistently receive communications from companies we have never contacted? Why do they know our name and even where we live?
We have long since entered the era of so-called ‘big data’ and it is up to us to protect our privacy and that of our family. Free offers from online services that look like harmless promotions sometimes conceal very insidious intentions.


How to give space character through light?

The sun is a bright star that heats and illuminates our planet. Without this bright fireball, there would be no life on our planet. The same applies to spaces, which need light to ‘live’. The rooms in our homes, when they shine, can create optical illusions that amplify or reduce our perception of space. When we use floor lights, our ceiling will appear higher than it really is. With downlights, the ceiling will seem lower. These are not the only features that characterise a room; when we want to add warmth and cosiness to a space furnished with wood and soft colours, we should use warm light, as if to replicate the natural effect of the sun. When our furniture is minimalist, with gentle colours and linear shapes, with materials such as marble, concrete or metal, it is better to opt for a cold light that will enhance the modern and cosmopolitan style of the house. If we want to create an intimate and romantic atmosphere, the use of soft lighting will emphasise the mysterious side of the house. A skilful combination of pendant lights, ceiling and floor spotlights, lamps and wall lights can make your home look new and original.

Lighting design: no magic show, no sleight of hand

Yes, it does seem like an illusion. Light, when used in the right way, is able to hide small defects in our home, create nuances and patterns on the walls, highlight certain details of the environment, widen or narrow a corridor, give depth to a room, increase its volume, draw a room within a room and highlight cross-contrasts that give rise to emotions. The aim is to create a luminous setting so that your home expresses itself and brings out ever-changing sensations. Lighting design is a discipline that requires various skills. In addition to a high level of creativity, technical expertise and, of course, architectural expertise are also required to ensure an overall view. By choosing the right lighting points, the right luminaires, the right degree of brightness and the perfect brilliance, the room comes to life, the artistic masterpiece is lit, and the show can begin.

A scenic home in line with the times

Big or small, luxurious or modest, your home can be enhanced by the right lighting, respecting the environment and keeping up with the times. It is not enough to place lights here and there to brighten up your home. It is important to bring it to life with the right lighting, both during the day and in the evening. Light can either enhance or detract from a room, it can be pleasant when used correctly, but it can be annoying when used too directly. Fortunately, there are now energy-efficient types of lighting on the market which, even when combined with natural light, have a great scenic impact. We are thinking in particular of LED backlighting technology integrated into furniture components, or walkable floor lighting.
And while in the past the purpose of light was solely to illuminate, today light also plays an important role as a furnishing component.


Why is March the most important month for our garden?

Many gardens suffer from diseases, yellowing or thinning caused by fungus, too much or not enough watering, lack of nutrients, frequent or too little cutting, unfavourable weather conditions, etc.
March is the most important month for restoring our lawn to a brilliant green colour. In fact, by taking advantage of the entire period of March, the guarantees of success in curing your lawn of yellowing or thinning increase considerably. The end of winter and rising temperatures also create ideal conditions for sowing your lawn from scratch.

What can you do to ensure a soft green lawn during the summer period?

The first thing to do at the beginning of March is to bio-stimulate the soil. March is considered the month of awakening, and bio-stimulating the soil with nutrients maximises the chances of success. This first treatment should be carried out just after the first grass cuts. The grass must be dry, so choose the right day. The second fundamental step in ensuring a bright green carpet that is soft to walk on is fertilisation. This procedure is dedicated to the grass and when it is carried out badly or not at all, your garden has the ideal conditions to become diseased.

How to prevent yellowing or thinning of the lawn?

March also sees the start of prevention to keep the garden healthy and free from harmful pests. A good strategy is to feed the soil with antagonistic micro-organisms. These are micro-organisms that we find in nature, which fight pathogenic micro-organisms. Their function is to “steal” the nutrients from the pathogens. This solution is completely natural, with no harmful consequences for humans or the soil. The antagonistic micro-organisms are available in the form of preparations in all major garden shops.
Cutting the grass is also important in order to prevent thinning and diseases in the lawn and to prepare it for the summer. The first cutting of the grass takes place in March, and care must be taken not to remove too much length unless you want to reseed. In that case you can cut much further and lower; this will also oxygenate the soil.
A practical tip to ensure that our lawn recovers the nutrients it needs is to note on a calendar the rainy days that occurred during March. In March it is not necessary to water the garden because the weather is usually very uncertain. When there is not enough rain, however, it is important to take care of our lawn’s metabolism so that it gets all the nutrients it needs.
These few suggestions will help you to welcome the warm season while minimising the risk of compromising the health of your garden.


Smart homes: the pros and cons of home automation

In recent years, we are observing an increase in technological solutions in our homes. So-called “smart” homes are connected with other devices in the house and/or in the garden communicating with each other. A home automation system allows us to control and manage our home remotely, even with the simple use of a smartphone. The use of home automation enables us to customise our homes to suit our lifestyle and routine.


The advantages of smart homes:

A smart home offers many comforts and allows its inhabitants to fully enjoy their lifestyle. With voice commands, you can turn the lights on and off, raise and lower the blinds, receive an updated list of the missing food in your fridge; in short, programme all the appliances and devices in the house and garden, so that your home knows exactly when and how to do what. Just think about going on holiday and being away for an extended period of time. The smart home can simulate your presence by lowering the blinds, turning on the lights and the TV. This system can be programmed at set times, at random times or remotely, making the simulation even more credible. With smart video intercoms you can respond via your mobile phone to a visitor ringing your doorbell, and with smart cameras you can monitor your property and prevent unpleasant situations. Finally, using this technology is very easy thanks to the intuitive design of these devices.


What are the disadvantages of a smart home?

Any device or system connected to the internet may have security issues. There is a real possibility that someone, a hacker for example, could break into your home automation system and violate your privacy. It would not be such a big thing if a stranger controlled your hoover or coffee machine, but it would be a problem if the stranger controlled your alarm system or security cameras. One of the annoyances you may encounter when using smart devices may come from the manufacturers themselves. In fact, when these devices only work thanks to the server of the manufacturing company, it would become a problem if the company went out of business. Another issue to consider is that these smart devices communicate with each other, but sometimes they do not speak the same language. This is due to the fact that there are different communication protocols. In practice, this means that devices will need to be compatible with each other to ensure proper functioning. When devices operate using different protocols, a smart hub is needed, which is basically a central control device that enables dialogue between the various devices. With the advent of voice assistants, smart technology is showing a downward price trend. However, if we wanted to convert our home and all our appliances for smart use, the costs should not be underestimated.


Why is owning a rustico so attractive? And what does it involve?

The charm and prestige of owning a rustico makes it a very attractive investment for many. These rural buildings, which once served the simple life of farmers, are now considered real gems. There are not many rusticos left that are suitable for renovation, both because of the bureaucracy involved in restructuring them and because of the territorial context in which they are located. In fact, rusticos are protected by the cantonal authorities and the ruins, which still remind us of the stone houses of the past, often need to be preserved and restored.

At that time, there were no electricity and water connections in the countryside, nor was the sewerage system what it is today. Those who have the courage to tackle the restoration of a rustico will come into possession of a very rare and sought-after property whose value will be difficult to establish. Why? Because the question will no longer be how high the bank will value your property, but how much a buyer is willing to pay to enjoy such a lifestyle.


What should be considered when restoring a rustico?

As already mentioned, the bureaucratic effort requires a lot of patience. The cantonal agricultural office, the departments of forestry and monument protection are involved and, depending on the geographical location of the ruin, other authorities. When applying for building permission, it is important to bear in mind that extensions are often only permitted for a small additional percentage of the volume of the existing building and that some basic features of the ruin must be preserved. For these reasons, it is advisable to consult architects and craftsmen who specialise in this type of restoration. Those who often deal with the bodies responsible for assessing the impact of renovations on the area and the craftsmen who know where to find the most suitable materials for restoration will be able to preserve these buildings in the best possible way and obtain the appropriate permits.


A hideaway far from the city.

Once restored and equipped with the comforts that few people would do without today, the rustico becomes a hideaway where you can relax from the hustle and bustle of city life. A place where you can enjoy nature, family, friends, but above all time, yes, time, to the fullest! In a context far from rules and obligations, where you realise that nothing depends on us but on the seasons, every moment becomes even more precious.

Everything slows down. The silence, the fine country air and these walls marked by simple everyday farming life invite us to reflect on the meaning of life and to realise what is really important.


Property for sale, urgently – Let’s keep calm!

It is a real pity to see how great properties for sale are losing value month after month because of the low level of appreciation they receive. After all, it would take so little to make them exclusive and desirable properties for many potential buyers. However, if the owners, i.e. precisely those people who have a direct interest in selling their properties, allow them to be presented with so little care, they certainly cannot expect buyers to attach the right value to them. Anyone involved in the marketing of real estate properties can often find that the selling customers do not know what to expect from a real estate agency and therefore entrust their property to those who offer very little in terms of its valorisation. Especially when you have to sell in a short time, it is important to find a trustworthy partner you can rely on. So yes, it is all right “to sell your house urgently”, but let us remain calm and act wisely. 

Square meters, what a mystery!

As already said, when you are in a hurry to sell your house, you sometimes act a little impulsively, with the intention of finding a solution to the problem as soon as possible. It often happens that one and the same property is offered for sale on the Internet several times, even three, four or five times, and this by different agencies. Often you will also find different prices, especially if real estate agencies have their own marketing strategy. In some cases, the house is offered for sale including parking costs, while other agencies sell only the house and state the costs for parking separately in the description. Most noticeable, however, are the differences in the area data in square metres. An Italian proverb says that mathematics is not a matter of opinion. Neither is geometry. Areas cannot be determined approximately and in the real estate sector there are basically two that are of interest to us: the gross living area and the net floor area, also called living area. With these two data, our buyer can see how many square metres he is buying in total and how much space will be available to him inside the house. So, be careful! A buyer who is confused by different prices, areas and agencies will be biased towards your property. Any property that is accessed by many, presented in the wrong way and with poor photographs, will be perceived as an object of little value.

The principle of scarcity, a lever of persuasion

The less available and the more exclusive the goods are, the higher the value you want to pay for them. We are currently experiencing this with a product distributed by the well-known supermarket Lidl. They are sports shoes offered at a price of only 12.99 euros. The shoes are no longer produced. They are currently available on the main online auction portals. The price of these shoes has risen to hundreds of euros. Even famous celebrities are proud to wear them. Sounds like a paradox, doesn’t it? A product we could all afford for 12.99 euros and which inexplicably became an exclusive product for a limited group of people. This phenomenon is known as the “scarcity principle” and has a powerful leverage effect when it comes to winning us over for something. 

When selling your property, remember this principle and rely on those who can make your property 
exclusive and desirable. Demand first class and quality services. Give preference to companies that offer both specialised professionals and the classic sellers. A single well-functioning agency is able to speed up the sales process without devaluing your property, even with a non-exclusive mandate.


Decluttering in the real estate sector: what is meant by it and why is it so important?

Decluttering, or rather “getting rid of the confusion”, is the first measure you should take when you want to put a property up for sale on the market. ” You never get a second chance to make a first impression”, as it is so nicely put in a famous quotation from Oscar Wild. And this is exactly what you have to pay attention to when selling a property. We all have different habits and tastes, which is why it is important that the property we want to sell is absolutely neutral and therefore attractive to most prospective buyers. It will have happened to all of us to enter an environment and feel completely at ease. We will also have happened the opposite though! Hotels, for example, apply the principle of decluttering so that their guests not only feel comfortable in their rooms during their stay, but also come back for their next holiday.

But what do you have to remove from your house to make it easier to sell?

Above all, dirt and bad odours must be removed! In our work as estate agents we often find that not everyone has the same idea of cleanliness. You should know that especially women, often those in the family who “decide” whether to buy your or another property, are very sensitive to cleanliness. So pay attention to windows, bathrooms, dust on the furniture, the condition of the kitchen and especially the stove! No clothes to leave lying around in the bedroom, no bathrobes in the bathroom, no overflowing baskets of dirty laundry, sinks full of cosmetics, etc. Ventilate the house before a visit, especially if you have just cooked or if you smoke at home.

Remove family photos and posters hanging in your children’s rooms. Since you have decided to sell your house, it should no longer reflect your lifestyle. The potential buyer who comes to your home must feel that the house is the perfect place to live with his family. Remove any religious symbols, crucifixes or paintings that indicate a particular religious conviction. Perhaps our buyer’s beliefs are different from yours, and these small details could affect the sales negotiations.

No hunting trophies. There are people who would never accept to live in a house where the owner is responsible for the death of animals. Also, remove any superfluous knick-knacks and put the children’s toys in a box in the storage room when the visit is due. A crowded house, with too many objects, causes discomfort, remember that.

And if the buyer does not like my furniture, should I change everything?

Do not worry about your furniture, just think about how it is arranged in your room. Little tricks, like moving an armchair or turning the dining table, can increase the perception of the room and make it seem bigger. In some cases, real estate agencies provide their clients with so-called “home stagers” if necessary. Home staging, as much as “presentation of the house”, is a very effective way of selling in less time and avoiding overly aggressive price negotiations. Home Stagers are basically interior designers and can enhance the room with the furniture already in the flat. Jetika Group offers its customers a Home Staging Service. This is an ethical marketing action of great value and strong effectiveness.

Let’s remember that before lowering the price of the property, we must consider all possible alternatives, and these include decluttering and home staging.


Renovations: beware of asbestos

Until the 1970s, asbestos, which we find in nature in the form of a mineral, was considered a material with many advantages, such as its elasticity, its resistance to heat and chemicals, its easy extraction, its easy bonding to other materials and its durability. It is no coincidence that asbestos was used from the 1950s to the 1990s in various sectors as well as in construction. Today we know that this “miracle” fibre causes serious damage to health. Since 1 March 1989, asbestos has been classified in Switzerland as a dangerous substance for the respiratory tract and its use in the manufacture of products has been banned. Since 1994 it has also been prohibited to import into Switzerland objects, products or preparations containing asbestos.

When is asbestos dangerous?

Asbestos is not harmful if it is in a dormant state, if it is part of other products, such as building materials; we are talking about adhesives, thermal and acoustic insulation, electrical installations, building covers, chimneys, etc. It poses a health hazard if its fibres are inhaled; this happens, for example, during the renovation of a house, when removing tiles, carpets, insulating materials or other materials, if these fibres are dispersed in the air and inhaled. These small asbestos fibres can also be dispersed in the environment by vibrations, air currents and temperature changes. These asbestos particles, when inhaled, are highly carcinogenic and can cause asbestosis, a form of pulmonary interstitial fibrosis.

How can I know if the house I buy contains asbestos?

Asbestos was used in building materials until the 1990s. It is therefore likely that these asbestos fibres were present in many residential buildings before 1990. If a buyer wants to buy a property that was built before 1990 and then do some renovation work, he would have to agree with the owner of the property to have an expert report carried out to check whether asbestos is present. If the building was contaminated with asbestos, the renovation process would require the use of experts and the cost of removing asbestos should not be underestimated. Any work involving the release of asbestos fibres that are harmful to health may only be carried out by companies specialising in asbestos removal and recognised by SUVA/INSAI (Swiss National Accident Insurance Fund). Asbestos waste must then be disposed of, and this process, in turn, may only be carried out by firms which are designated for this purpose.


In order to avoid unpleasant surprises, it is essential to be accompanied by real estate professionals who can give you the best possible support and advice, especially on sensitive issues such as asbestos.


You can find the companies that carry out asbestos tests here:

Canton of Ticino

Sitaf Isolazioni SA


Galli Partners Consulting SA

Tecnotetto SA

EcoRisana SA

BB&A Buri Bauphysik & Akustik AG


Econs SA

Galli + Co. GmbH Brandschutztechnik

Lamy Perizia Survey & Appraisal SA



Canton of Grisons

D. Martinelli AG

Carlo Wüst & Partner

Speztec AG

Experte IBH Markus Durrer

BB&A Buri Bauphysik & Akustik AG

Galli + Co. GmbH Brandschutztechnik

rigenerazione urbana

Urban regeneration: what will be the needs of tomorrow’s society?

We live in a historical period in which we were aware of the importance of protecting our planet from the inconsiderate handling of pollutants such as plastics and fuels even before the virus took over our lives. The normality to which we are now returning is a different one. A normality that, for all those companies that can make this possible, consists of smart working, video aperitifs, more family life, where we rediscover natural living and give it more value.

All this will inevitably lead to a restructuring of architecture and territory, which will probably become even more beautiful.

Cities will have to revise their urban planning, providing wider pavements, cycle paths and green spaces to ensure social distance and a more conscious use of public transport.

Many people will decide to move away from the cities.

But there are also architects like Jacques Herzog and Pierre De Meuron who, instead, believe that the houses of the future will not necessarily have to move to the countryside, but rather be built in the city so as not to lose sight of “the concept of social proximity”, albeit in another way.


The design of new urban centres

These aspects will have to be taken into account when constructing new buildings and designing city centres, for example by creating the possibility of using common green spaces, perhaps on rooftops or in abandoned neighbourhoods.

Our increased ecological sensitivity will make it possible to renovate the buildings in accordance with an energetic requalification and thus promote the installation of photovoltaic systems, the construction of large parking lots with charging stations for electric cars and heating systems that guarantee the protection of the environment.

Moreover, thanks to the positive results obtained through Smart Working, more and more companies will continue this way of working and possibly do without large offices. Commercial buildings could be converted into recreational and leisure areas where the new health regulations can be met.

 On the other hand, the private home, which will retain its value and play an even more important role and become the basis for a safe life, will have to be designed to provide a quiet, secluded and transformable space that can also be used as a workplace.

According to the Federal Office for Spatial Development urban settlement areas, which also include new buildings, railway lines and roads, are about 43% and have recorded a rapid increase in recent years that has even exceeded population growth.

This should not be underestimated, because although land use in Switzerland shows a good relationship between nature and settlement areas, it is necessary to reduce this growth. Important recreational and green spaces must be returned to the population.

Let us not forget that man, as a “social being”, must live together with his fellow human beings. It is therefore everyone’s goal to work towards making urban areas increasingly sustainable and ecological, starting with housing.


Moving to Switzerland, what is the procedure?

After the Corona crisis, many real estate agencies have noticed a significant increase in demand for property by foreigners. This increase is motivated by Switzerland’s efficiency in coping with the pandemic in terms of health and economy. Switzerland has always been perceived as a functioning, safe and prosperous country that offers more than just beautiful landscapes. In the post-crisis period, Switzerland is at the forefront in terms of efficiency.

There are many possible reasons for a move

A change of location for professional reasons, wanting to enjoy a pension abroad, the search for a country with a stable government, knowing your family is in a safe place and other reasons. Switzerland is undoubtedly a country that has all this and much more to offer.

However, a move is never easy. Emotional, cultural or climatic factors come into play. It is therefore essential to be able to rely on serious and capable professionals to ensure that the relocation of the centre of your life runs as smoothly as possible. When a foreign citizen moves to another country, he or she is often unfamiliar with customs, etiquette and even less with the real estate market. There are only a few parameters that allow him or her to move safely.

If you are thinking about moving, you should first get some useful advice from a local law firm. A second step is then to obtain the most useful information for everyday life by joining associations or clubs used by people living abroad and, if you intend to buy a property, to ask for an official and certified valuation of the property by an official surveyor.

What rules must be observed when a foreigner wants to buy in Switzerland?

If a foreigner wants to move to Switzerland and buy a property, he or she is bound by certain rules. First of all, a permit is required that entitles him to live on Swiss territory, and then there is the federal law on the acquisition of real estate by foreigners, the so-called “LAFE” law.

The Federal Law on the Acquisition of Real Estate by Persons from Abroad (LAFE) is the procedure imposed on foreigners who wish to acquire real estate in Switzerland. The purchase of real estate by a foreigner therefore requires a “LAFE” permit. This procedure is complex and can sometimes take a long time.

If the foreign citizen wants to buy a holiday home and keep his residence in the country he comes from, he is subject to different rules. In the areas defined at cantonal level, known as tourist or holiday areas, the purchase by foreigners is permitted if these houses meet the parameters required by law. The net living area of the holiday or secondary residence may not exceed 200 m2 (excluding balconies, staircases, cellars, storerooms and uninhabitable areas) and the land or floor area may not exceed 1,000 m2. In some cases, motivated by special needs, the above quotas may be exceeded, but not by much. Another factor to consider is the quotas for secondary residences, from which each canton can benefit annually.

An advice that a real estate company could give to a foreign citizen before taking such an important step as buying a property in a new country is to consider a rental housing solution for one or two years. This period of transition allows people from abroad to orientate themselves and understand which region or area best suits their needs and lifestyle. There are many new situations that a person from abroad faces: Choosing a school for the children, registering in the municipality chosen for their residence, opening a bank account, understanding the waste system, subscribing to telephone and internet providers, registering a pet, taking out health insurance and many other bureaucratic and unbureaucratic procedures.

Jetika Group therefore offers a special “moving service”. We are able to assist individuals, families and companies with their relocation in Ticino and Engadin with professional and individual support.


Contact us for further information!


Marketing in real estate: expense or investment?

Marketing is becoming increasingly important in a wide variety of sectors and is now part of our everyday vocabulary. This term, which derives from the verb “to market” is a set of processes that outlines and establishes the most appropriate techniques to reach and satisfy the needs of the client and the company, with analysis and actions that are measurable over time. In the real estate sector it is essential to understand the dynamics that characterize supply and demand. It is essential to be able to be well positioned in the market so that customers can find the product they need. Marketing, today, is based on the ability of a company to transmit, in an ethical way, value to its target audience, using the most appropriate techniques and channels to achieve this goal.

When do we do marketing?

 Marketing is done when you want to facilitate the sale of goods and services. Marketing follows decisions regarding the product, price, image, distribution channels and promotion actions with the sales network. Thanks to technological development, today we have new techniques available to create an interaction between customer and company. Companies today are more customer-oriented and they develop, communicate and make their offer available to the customer in terms of value.

We do marketing when we want to facilitate exchanges, when a company wants to manage its relationships with the market in the best possible way and, last but not least, when the company philosophy bases its management on a culture of behaviour, image and decisions that influence its functions.

Marketing so called “ethical” is that set of processes that aims to maximize the value obtained in the exchange of products or services between the company and the customer. In practice it means obtaining the highest possible price from a product or service, with the maximum satisfaction for the buyer; in short, the classic “win-win” situation.

How has real estate marketing evolved?

There are many real estate agencies in Switzerland, so it is essential to be able to distinguish yourself. It is no longer enough to display properties on the main real estate portals and wait for clients to come forward with a request; just as it is no longer enough to take a few photos, perhaps with your mobile phone, and include them in a sales dossier. Today, it is important to actively go to the client. It is important to analyze the market with the tools that technology provides and find out who is looking for that particular property. Today, we need to present real estate objects in their best possible guise so that they are more attractive. An ethical real estate agency must offer value to both parties involved. It must also find its target clientele outside its territory; in this case, a simple action is to offer the properties in the language of our potential buyer.

The marketing department in the real estate sector is very important to successfully achieve the purpose of the sales mandate. Only with actions and tools that make the client’s behaviour measurable and analysable we can reach it. A company that does ethical marketing is also capable of conveying the necessary emotions that lead to the success of the sales mandate with maximum satisfaction for the buyer. It is therefore also necessary an advertising planning aimed at evoking an emotion that pushes our client to choose that particular property among the many available.

Presenting objects “graphically ready” for the real estate market has become crucial. Choosing to edit a promotional film, with music that fits perfectly with the type of property and the potential clientele to whom a particular property is targeted, is truly emotionally impressive.

This series of ethical marketing actions allow for faster and more effective marketing.

A well-structured marketing department saves time, money, energy and resources.

The marketing department of Jetika Group

Since its foundation, Jetika Group has invested in its own marketing department, mainly as a vehicle to differentiate itself in the market. From the logo, to the slogan, to the communication, we are very careful and respectful of our corporate culture. It is interesting how the simple idea of a logo has an effect on people who recognize us by asking: “Are you the winged horse’s people?” This is very gratifying.

Our marketing department is made up of very competent professionals. Our advertiser is also a professional film maker who, because of his young age, already has three short films and national awards to his credit. For us at Jetika Goup it is essential to have experienced SEO (search engine optimization) collaborators, IT and digital technology professionals and a web designer. Our rendering architect allows us to offer a service of the highest quality and value. Virtual furniture is a powerful tool for our ethical marketing planning. Our blogger is a great added value to our company; with her we are able to regularly propose articles and newsletters of general interest so as to remain in constant contact with our clients. The marketing planning dedicated to social networks is managed by a young and brilliant expert in his field of activity and we propose a regular presence on these channels as well. A marketing department is absolutely necessary in the real estate sector if you want to keep up with the challenges of today’s market.


Contact us and you will receive more information for a fast and effective marketing of your property!


Profitability in real estate: what is meant and how it is calculated

What is the rate of return on property and how to calculate it?

The calculation of the profitability in the real estate sector is one of the aspects that must be taken into account when purchasing a property, especially if it is purchased for investment purposes. In the case of real estate for own use, the calculation of economic sustainability is used; this is crucial for banks when they receive a mortgage application.

Nowadays, buying a property is advantageous compared to renting it due to low interest rates. However, before taking this step, it is essential to make the necessary considerations. The return on property is an important factor and there are calculation criteria to determine an estimated value.


What is the profitability of a real estate investment?

This is a calculation of the expected rental income for a property in percentage terms.

The factors on which the formula is based are essentially four:

– Annual rental income

– Maintenance costs

– Purchase price

– Mortgage interests


The annual rental income is not so difficult to determine.

This depends on many factors such as the type of property, whether it is for commercial or residential purposes, the region in which the property is located, the tourist potential and, last but not least, the market situation.

In Switzerland, in recent years we have seen an increase in the number of empty apartments that are not rented due to very attractive mortgage rates. This has an impact on rental income and related investments. However, there are other arguments that need to be taken into account.

In Switzerland, a good net return is between 3.0% and 4.5%. However, when talking about high profitability, we cannot rely solely on purely mathematical calculations. The potential of the property in the future and any increase in its value must also be taken into account.

According to a UBS Real Estate Focus 2020 publication, young people tend to prefer renting apartments in the city center. For the same price, apartments in the city offer a smaller surface area than apartments in the suburbs. However, the first ones are more attractive thanks to the services offered by a city centre.


But how do you calculate the profitability of a property?

First of all, let’s calculate the level of the expected gross annual rent income. As already mentioned, we need to assess the type of investment, whether this is a family apartment, a student apartment or a commercial property. The rental income also depends on the current situation in the real estate and economic market, as well as the number of properties not rented in the same area.

When talking about a holiday rental property or a student apartment, it must be considered that the property may remain empty for certain periods of the year, so the flow of tourists or the number of potential students is decisive to make a realistic projection.

The second aspect to be considered are fixed costs such as non-allocable running costs. These are the deposits to be paid into the renovation fund, the reserves for repairs or renovations of the individual private unit, the percentage of risk that the property will not be rented out immediately, as well as the administrative expenses, insurance and tax costs and related mortgage interests. The net rental income is the sum of the annual rental income minus operating expenses.

The purchase price is an additional parameter for the calculation. In order to obtain this value, the costs of a possible renovation and the bureaucratic costs associated with the purchase of a property must be assessed; here we are talking about notary fees, transfer of ownership tax which varies from canton to canton and cadastral taxes.

We now have all the parameters to calculate the net return on our property and apply the following formula:

Annual net rental income divided by purchase price per 100 equal % net income.



We buy a 4.5-rooms apartment for CHF 850,000.00 and rent it for CHF 2,500.00 per month. The additional costs, such as electricity, heating and a percentage on the maintenance fees, are paid by the tenant, while the unallocated operating costs, as well as mortgage interests, renovation fund, extraordinary expenses and others, are paid by the owner. Hypothetically, these costs covered by the owner will amount to CHF 6,000.00 per year.

Rental income CHF 30,000.00 – Operating costs CHF 6,000.00 = CHF 24,000.00/CHF 850,000.00 x 100.
This results in a net annual return of 3.53%.

This simple example shows how much more interesting a good real estate investment is than simply parking capital on a bank account.


Excellence at your service.

Often the research and comparison of numerous real estate offers is confusing. Sometimes, for the less experienced, it is complicated to understand which are the good investments and recognize those that are too risky. The Jetika Group team is composed of highly qualified professionals. In our group we have a Master in Economics, a graduate in Economics, a trustee and auditor, an expert connoisseur of the real estate market with 35 years of experience, a Master in architecture and several professional sales consultants. We work closely with a renowned ISO real estate appraiser and surveyor. We are able to offer our clients investment opportunities, accompanied by detailed reports that allow a clear and transparent overview.

Jetika Group is at your service to present and search for opportunities that suit your needs.


Coronavirus – The Swiss real estate market after the crisis

Forecast for the Swiss real estate market after the Coronavirus crisis.

At the time of the Coronavirus, everyone’s worries are growing, work is done from home and companies are studying new strategies to counter the effects of this virus. Covid-19 is also affecting the housing market and expectations for 2020 may change.

In Switzerland, 2019 was a good year overall for the many real estate investors and 2020 looks set to be a less rosy year.

The Coronavirus and its consequences could impact the good market performance. However, the latest “Monitor Switzerland” report by Credit Suisse states that, fortunately, there will not be a total collapse of the real estate sector, but some consequences have to be considered.

In 2019, rates of rent lowered and the number of empty, non-rented apartments increased. At the end of the year 2019, real estate increased in value by around 3%, a point higher than the previous year (source: CIFI Swiss Property Benchmark). Last year in Switzerland, the value of residential properties grew mainly (in Ticino, however, there was a slight decline) and overall returns were satisfying investors.

As anticipated, the positive trend in Switzerland was expected to continue in 2020, both for investors and tenants. Indeed, the negative interest rates of the Swiss National Bank (SNB) had led to the massive construction of new properties and consequently to an increase in offerings. Many units remained vacant and this process caused a slight reduction in rents.

Despite the expectations for both investors and tenants, growth is closely linked to the development of the Covid-19 situation. The initial crisis caused by this new virus has changed any economic forecast, not only in the real estate sector, but also in other fields.

The Coronavirus is an extraordinary crisis.

The freedom of the individual is restricted, insecurity prevails and economic unconfidence influences decisions. This situation cannot be compared to other scenarios that have occurred in the past. For example, in 2008 the financial crisis hit several sectors hard, but the real estate field did not have such drastic consequences. In the situation in which we live today, with the stock markets in trouble, rents are paid anyway and the brick still remains the safe harbour. In practice, any losses in value should still be compensated with rental income.

Analysts point out that the Coronavirus scenario cannot be compared to the 2008 crisis, as this situation is more similar to the Spanish fever crisis of 1918. The period we are going through now also puts companies and self-employed professionals in serious difficulty, who in most cases have to remain closed. There is no guarantee that rental income will always be able to be relied on, as it will probably not flow in a stable and lasting way. In fact, in Switzerland, as in many other parts of the world, only those activities that are considered indispensable remain open; a limitation that is a cause for anxiety among citizens and especially among small and medium-sized enterprises. It is therefore probable that the lack of revenue and debt will also create a change of trend in the Swiss real estate market.

Consequences after the Coronavirus.

It is a fact that the Swiss real estate market will change and that the forecast for 2020 is less rosy than expected at the end of 2019. In the current situation there is also little good news for tenants, who could save around 2% this year compared to last year.

According to the report issued by Credit Suisse, the residential segment in Switzerland is expected to remain fairly stable thanks to the measures taken by the Federal Government. Economic losses at the domestic level should be contained, so there should also be no major mortgage instalment losses and no forced sales.

The less positive outlook is for new housing developers, as a prolonged period of restrictions could lead to liquidity problems and loss of returns.

Finally, commercial spaces, especially office spaces, could suffer a significant drop in demand. There is a general change in mindset; the majority of the population has admitted that it is possible to work as a team even in home office mode.

Jetika Group and the Coronavirus.

The Covid-19 crisis took everyone by surprise. A paradoxical event like this made us realize how fundamental people are in a company and how much the motto “one for all, all for one” makes sense today more than ever. The virus confirmed the important role that technology plays in the life of a company and how important it is to constantly improve processes, keeping up with the challenges of the market; in this case, also with those of life.

Fortunately, we have always preferred the financial well-being of the team rather than a prestigious location downtown for our offices, which saves us a lot of money on rent. This foresight now allows us to continue to invest in tailor-made IT solutions to achieve our professional goal “Excellence as Standard”. Our customers will be able to take advantage of the innovative solutions we are finalizing, thanks to the precious time available from this stand-by period.

Today it is time for Jetika to plan, to realize what up to a month ago were just projects and, over all, to convey to our customers that we are distant but nearby.


Buying a house – How important is a trusted partner in your real estate search?

Lack of trust, conflicts of interest, incomplete or even poor services: these are the main concerns that create scepticism in those looking for a home with regard to Swiss real estate agencies.

These are the challenges facing the real estate market today.


When you are looking for a home, you have to face many doubts and questions.

One might ask, for example, whether the search site is suited to the needs of one’s own household, whether the price of a house is cheap, or whether the object in question does not hide defects.

Those who want to be sure on all fronts often rely on specialist companies that deal with these issues for the customer in advance.

However, there are many people who feel to be able to deal with the whole operation alone and decide not to commission any agency and take care of the research themselves.


Trust, often, is the main cause of this choice, in fact establishing a relationship is difficult in the first meeting and you may wonder if you are in contact with the right person.

If you are looking for a home, you may not trust the real estate agency and you are not willing to provide the personal data necessary for an effective search for your home.

In fact, in order to find the right home for his client, it is essential that the real estate consultant has at his disposal a range of information that may also be confidential.

Let’s take as an example the number of children, income, personal wealth or even daily habits.

sually, these are all indications that require a relationship of trust at the base before being given and that many buyers are not willing to give, thus making the work of the real estate developer more difficult and decreasing its effectiveness in terms of results.


Another cause of this scepticism is the commission the real estate agency receives for its work.

In many countries, such as Italy, the intermediaries in the sector receive a bilateral sales commission, both from the seller and from the buyer.

In Switzerland, on the other hand, it is customary for a sales commission to be received only by the principal, i.e. the seller of the real estate, who commissions the sales transaction from the agent.

The unilateral commission can therefore give rise to worries for potential buyers: one might think that real estate agencies, being paid only by the seller, do only the interests of the latter, in order to make it earn money, thus not bothering to meet the needs of those who want to buy.

This is the thought that many people make, believing that intermediaries choose to their customers houses not on the basis of their real needs, but on the basis of the pressure they receive from the sellers.


Why Jetika Group?

Jetika was born from a need for independence and ethics, in a time of market, where some organizations, fortunately not all, think only of their own advantage and forget the duties we have to the customer.

Safeguarding our values and corporate culture is extremely important to us, which is why those who work at Jetika have much greater goals than profit.

Our main goal is to establish healthy and trustworthy relationships with our customers through strict professional secrecy and to best meet their needs.

Maintaining a high standard of quality and daily pursuit of excellence is a source of great pride for us.


Excellence as standard is our motto and in order to respect it we constantly try to offer an exemplary service that is oriented to the needs of the market.

We perceive Jetika Group as a private jet that assists and accompanies the customer in all phases of the transaction, adapting to his needs.

When the potential buyer gives us what he is looking for, we always put ourselves in his shoes and, once we have made an accurate customer profile, we make sure that he is a satisfied customer.

If, on the other hand, housing offers are not suitable for the needs of the market, we try as intermediaries to make the seller aware and thus find solutions for both parties.


Do you want to be helped in your search?

If you are looking for someone who understands your real needs and you want to share your concerns with us, do not hesitate to contact us!

We will be happy to select the best housing solutions that meet your interests and to accompany you in buying the house of your dreams.


Why is buying a home convenient? Comparison between lease and mortgage loan

Low interest rates accentuate the differences between tenants and homeowners in favor of the latter.

Becoming a homeowner would make save 6’000 Swiss Francs a year.


According to a study by Money Park, with the help of the real estate agency AlaCasa, published in September 2016, homeowners save on average 6,000 Swiss Francs a year.

The study states that a tenant pays on average CHF 2000 per month for his home, compared to 1500 for an owner: therefore the difference rises to CHF 6000 over one year.

Furthermore, the difference would be even more pronounced for single-family homes, in which tenants pay on average CHF 2300 and the owners 1450.

More than 900 people were examined to reach this conclusion.

Although three years have passed since the publication of this study, it can still be said that today living in lease in Switzerland is more expensive than in a house owned. But why?


Interest rates at historic lows

In the initial analysis the main cause of the savings is due to the low interest rates on mortgage loans that the banks stipulate with the buyers.

As can be seen from the graph below, the interest rates on mortgage loans are at historic lows and are around 1% for fixed rate loans.

This encourages Swiss households to realize their dream of buying a home, as well as encouraging potential investors in the real estate market.

Tax advantages

In addition to having advantages on housing spending, buying a home also offers tax advantages.
In the Swiss tax declaration, each tax subject, after having declared their income and their overall substance, is entitled to deductions that reduce the taxable income and substance.

These deductions allow you to pay less federal, cantonal and municipal taxes.

Regarding the income tax, it is possible to deduct in the tax declaration the passive interests of the mortgage loan.

Unlike a rented home economy, homeowners have this tax advantage.

It is also possible to have another deduction on the possessions, as it is possible to scale from the substance all the types of debts, which in this case they concern the mortgage loans.

In conclusion, it is fair to say that buying a home requires a large investment of money and good sustainability to guarantee the bank, however, becoming an owner allows you to have many advantages, managing to save more money than those who live in rent.


Property for rent: 6 precautions you need to take before you move

The entire transfer process must be planned in detail to avoid future inconveniences.

The choice of the property, the verification and the validation of all documents are essential, but it is also necessary to take further steps before moving to the new home.

With some care you can prevent unexpected situations.

Find out the main precautions to take before moving permanently to a rented property:

1. Contract review

Review the contract and make sure that each point has been discussed and agreed, eliminating any doubt.

Problems can be quite common, but they are easier to negotiate and resolve once identified at the beginning of the process.

2. Rental fee and additional costs

Find out about the amount of additional costs to avoid excessive monthly expenses that are dangerous for your wallet.

Often these expenses are paid separately by the tenant, but they can also be included in the monthly rental fee.

In order not to have any nasty surprises, clarify immediately which costs are included in the additional expenses and if there is a balance at the end of the year.

3. Find out about your neighborhood

It is likely that the owner will tell you that the area is very quiet, as are the neighbors.

Try to assess for yourself whether this corresponds to the reality, based on the location and services nearby, such as bus stops, parking lots, shopping malls and traffic.

4. Moisture stains

Mould is very unpleasant, not only because of the bad smells it emits, but also because of the impact it has on our health.

In fact, breathing the spores of the mould can be very dangerous.

For this reason it is very important to check in depth all the walls of the house in advance and verify that these do not have signs of moisture.

If so, this means that the owner does not maintain the property well or that it has more serious structural problems.

The owner is obliged to remove the mold in any way, restoring the property in good condition.

5. Report structural defects

Upon delivery of the apartment, inspect the apartment with the owner or administration and record anything that is broken, damaged, or malfunctioning, such as signs on the wall, damaged windows, or faulty outlets.

It would also be a good idea to photograph the defects and attach the images in a report, then signed by both parties.

From this moment it is necessary to report the defects by registered letter in a period of time ranging from 10 to 30 days, depending on what is indicated in the contract.

This operation is very important to avoid unpleasant inconveniences, when the apartment will be released.

Without any notification, in fact, the owner would have the right to be compensated for damages, although these were already present from the beginning.

6. Are you an incoming?

If you are an incoming and the previous tenant had made some changes, such as painting a wall, establish clear and round with the owner who is responsible for the costs of restoring the property in its initial condition at the time of return.

These important, although simple, precautions will save you money and unforeseen circumstances.

Relying on an agency allows you not to take these risks and to receive valuable advice for concluding a lease.

In addition to having a professional service in the organization of documentation and guarantee on the contract, Jetika Group SA also assists you in finding the ideal property and in its inspection at the time of delivery.

For a guarantee of safety and practicality, contact us and speak with one of our consultants.

We will be happy to help you from the beginning to the end of your transfer!


New European drone regulation

From mid-2020 a regulation will be introduced at European level to track them and keep them under control.

Switzerland is already at the forefront of this sector.


They invaded the skies and then, slowly, even the social networks.

Let’s talk about drones, today built in every shape and size and sold at affordable prices to virtually everyone.

But like any growing phenomenon, it also presents problems, which essentially concern the relations with traditional air traffic.

In fact, it often happens to hear reports of accidents between drones and airplanes, or problems concerning privacy.

In Switzerland, however, the situation is under control and, as the Department of the territory states, as well as the Federal Office of Civil Aviation, this is one of the most advanced countries in the regulation of the use of drones.


A new system

The spokesman of the Federal Office of Civil Aviation, Antonello Laveglia, reported a few days ago to the Swiss newspaper Corriere del Ticino that there is no register for these aircraft and the police have difficulty finding the owner.

However, explains Laveglia, in a year this situation should change:


“Both at Swiss and European level concrete steps have been taken towards a new legal basis. From a legislative point of view, a small online test will be introduced for pilots. Furthermore, the drones, as well as the pilots, will have to be registered in a special platform before they can fly. This will therefore allow you to have a record and solve the problem. From the technical point of view, instead, a new interface will be created, named “U-Space”, and it will allow the coexistence of drones with traditional aviation”.


Currently air traffic control cannot see drones, so pilots cannot do it either.

With “U-Space” it will instead be possible to trace them and keep them under control. In simple terms, it is a radar for drones.


But when will this law take effect?

“Switzerland at drone level is far ahead: we are the only country in the European Union that plans to introduce this system by mid-2020”.


Jetika’s specialization

In summary, from the next year it will be necessary a sort of license to make the drones fly in Swiss public areas and all the air zones will be much more controlled.

We at Jetika Group SA are really attentive to macro-environmental changes and we believe that this is fundamental to keep up with the times and remain competitive on the market.

It is for this reason that we have continuously updated professional collaborators, so that we can continue to offer our real estate promotion services to customers, in compliance with the regulations.


At Jetika, since the beginning of our activities we started to integrate drone video flights and interiors video tours in the presentation of properties to our social media audience.

Our main objective is to capture the attention of potential clients through a more immediate medium of communication such as a video-clip.

Studies show that retention rates for information that is both seen and heard is as high as 80 percent.

Those numbers drop to 20 percent for information that is seen and just 10 percent for information that is heard.

Those data show clearly how much combining visual and audio is powerful.

For this reason we are happy to be in continuous development and to be able to continue to offer one of the most exclusive services in the real estate sector: the video promotion.


All of our videos are stored on our Youtube page: