The complete checklist to put the odds in your favour
Finding accommodation in Switzerland is often a race against time. Attractive properties go quickly, and estate agents sometimes receive dozens of applications for a single flat. In this context, an incomplete or poorly prepared application can be enough to make the difference… in the wrong way. To help you, here is a comprehensive checklist for preparing a rental application in Switzerland, step by step, with the right steps to take to put together a strong, clear and reassuring application for the estate agent.
Why preparing your application is crucial
Even before visiting a property, there is one thing to keep in mind: a good application allows you to:
• show that you are serious,
• reassure the landlord about your solvency,
• speed up the decision-making process,
• avoid back-and-forth communication and requests for additional information.
Checklist: essential documents for a rental application
A clear and legible file immediately inspires confidence.
1. Your personal information
Prepare in advance:
• a valid ID (or residence permit),
• your marital status,
• your current address,
• your full contact details (telephone number and email address).
This information is always requested on application forms.
2. Your employment status and income
The agency primarily seeks to verify your ability to pay the rent over time.
Documents generally required:
• your last three payslips,
• your employment contract or employer’s certificate,
• for self-employed persons: latest tax assessment notices or balance sheets.
3. Extract from the debt collection register (essential)
This is a key document in Switzerland.
It must:
• be less than 3 months old,
• come from your current place of residence,
• be legible and complete.
Even if you have no outstanding debts, this document is required in almost all cases.
4. Rent guarantee: plan ahead for this step
A rent guarantee is mandatory before the keys are handed over.
There are two options:
• block up to three months’ rent in a bank account,
• or opt for a rent guarantee without a deposit, such as that offered by SmartCaution.
5. Civil liability insurance
Private civil liability insurance is generally required before moving in.
It covers, in particular:
• damage caused to the property,
• unintentional damage to third parties.
Even if it is not always requested at the application stage, it is best to have it ready.
Practical checklist before submitting your application
Before sending your application, check that:
• all documents are up to date,
• copies are legible,
• files are correctly named (e.g. “March_payslip.pdf”),
• your file is complete in a single submission if possible.
A well-presented file is perceived as more professional.
On the day of the visit: the right approach
The visit is often decisive. Responsiveness is a decisive advantage.
Remember to:
• arriving on time,
• asking relevant questions (charges, condition of the property, deadlines),
• showing that you have prepared your application,
• clearly indicate that you can quickly provide a rent guarantee.
After the visit: respond quickly
If you like the property:
• send your application without delay,
• confirm your interest in writing,
• ensure that your rent guarantee can be provided immediately.
Why a no-deposit guarantee makes your rental application easier
When a property management company compares several equivalent applications, administrative efficiency often makes the difference.
With a SmartCaution no-deposit rent guarantee:
• you do not have to block three months’ rent,
• you can move forward even if a previous deposit has not yet been released,
• you simplify the application process,
• you gain financial flexibility.
This is a real advantage, right from the moment you apply to rent.
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• How to get your rent deposit back in Switzerland… or avoid having to wait for it
• Calculate your personalised premium
