Practical information for owners and tenants

The FAQ section provides clear answers to frequently asked questions – so that owners and tenants can quickly find what they need.

Service charges are calculated using the allocation keys laid down in the regulations.

The renovation fund is normally opened two years after the building is completed. It is intended to be managed as a savings account for the community. Its purpose is to cover the high renovation costs of the building in the distant future (according to the building life expectancy table, after approximately 20–25 years).

This will be decided by a resolution at the meeting.

The Homeowners’ Association recommends that between 0.2% and 0.5% of the building’s insured value be paid into the renovation fund each year. After approximately 25 years, the fund should amount to between 6% and 8% of the building’s insured value.

Please report any damage to the administration, stating the date the damage occurred and providing photos of the damage. If the cause of the damage is already known, this information would also be helpful when making a claim with the insurance company.

Please contact your caretaker or the relevant authority directly.

Depending on the canton, STWEG holds statutory cantonal building insurance and property insurance, e.g. to cover water damage within the building. If there is no statutory insurance in the relevant canton, STWEG holds supplementary insurance to cover this.

For damage covered by the collective insurance policies.

Structural alterations are generally permitted provided that no communal areas or load-bearing walls are affected. Specific information regarding the STWEG can be found in the regulations.

You must submit a motion for the meeting in writing. The information in the motion must be sufficiently detailed to enable co-owners to vote in favour, against or abstain.

Applications must be submitted to the administration approximately 5 days before the invitation deadline so that they can still be processed. You can find your community’s invitation deadline in the regulations.

Practical information for owners and tenants

How are service charges calculated?

What are the responsibilities of the Renewal Fund?

Who decides whether money from the renewal fund is used?

How much should the renewal fund be?

How do I report a claim correctly?

Who should I contact in an emergency outside office hours?

What insurance cover does the association provide?

What types of damage is the administration responsible for?

Am I allowed to carry out structural alterations under the special rights?

How do I submit items for the agenda?

By when must the agenda items for the meeting be submitted?

Please contact us to discuss the next steps.