When you move into a cooperative flat, you take a stake in the cooperative's capital. Typically there is a membership share (often CHF 200–3'000) and a flat share, which depends on the size and construction costs: in Zürich often between CHF 5'000 and 30'000, and more for new builds.
Good to know
- The capital is not a rent deposit but equity of the cooperative; as a rule it is repaid at nominal value when you leave.
- Interest may be paid, but it is capped and not guaranteed.
- For a cooperative flat you live in yourself, occupational pension money (second pillar) can be used for share certificates under the home ownership promotion scheme, provided the cooperative allows it: check with your pension fund and the cooperative.
- Some cooperatives offer payment in instalments or loans from a solidarity fund.
The amounts are shown on many cooperative profiles and in the listings (visible with Basis).
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