@davidkijlstra
Instagram · One Shot
@davidkijlstra Switzerland lets you borrow up to 90% to buy a hotel… while most countries cap you at 50%. Here’s how the leverage actually works. 1. Swiss banks go higher than most markets. Commercial hotel loans often reach around 60% loan to value for solid assets with a proper business plan. 2. Then the Swiss Society for Hotel Credit (SGH) stacks another layer. SGH offers long term, often subordinated loans on favourable terms. Their whole mandate is to support hotel acquisitions and renovations, which effectively reduces your required equity. 3. Cantonal support can push it even further. Depending on the canton, you can access tourism guarantees, development funds, or even vendor financing. Stacked correctly, deals can reach 80 to 90% debt. And that’s before you factor in Switzerland’s guest profile. High spending wellness and alpine travellers, ADRs far above Austria, and properties like Chenot Palace Weggis charging around $10k per week for wellness stays. #hotels #switzerland #realestate
