Switzerland still has the lowest rate of home ownership. I'm looking to buy a home there soon, it was a struggle to build sufficient down payment, especially a

Switzerland still has the lowest rate of home ownership. I'm looking to buy a home there soon, it was a struggle to build sufficient down payment, especially after losing my first attempt to the loss of a job. But renting in Switzerland is a far better experience than what I had in the UK, which was awful. Unexpected and outrageous rent hikes, told to get out of several flats with little notice, or just quit after refusing to pay the hikes. I moved 4 times in six years. In Switzerland, I feel much better protected, landlords can't just raise rents on a whim, there's renters associations to back you up, the standards are higher, and for me initially, rents were lower. One annoyance, you can use some of your pension as downpayment without taxt penalties here. Unfortunately, that means it is exceedingly hard to transfer my pension from the UK, as UK gov won't allow tax free transfers abroad to pension schemes that offer such a service.