The Property Co-Ownership Agreement is essential when two or more parties jointly own real estate in Switzerland. This document is commonly used in various scenarios, including family property holdings, investment partnerships, or shared holiday homes. It must comply with Swiss federal legislation, particularly the Civil Code (ZGB/CC) Articles 646-651 on co-ownership and related provisions. The agreement typically includes detailed provisions on ownership shares, property management, financial obligations, decision-making processes, and dispute resolution mechanisms. It serves as a crucial framework for preventing potential conflicts and ensuring smooth operation of the co-ownership arrangement. The document should be tailored to specific circumstances while maintaining compliance with cantonal property laws and registration requirements.
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1. Parties: Identification and details of all co-owners, including full names, addresses, and contact information
2. Background: Context of the co-ownership arrangement, including property acquisition details and purpose of the agreement
3. Definitions: Key terms used throughout the agreement, including technical and legal terminology
4. Property Description: Detailed description of the property, including land registry details, address, and physical characteristics
5. Ownership Shares: Specification of each co-owner's percentage share in the property
6. Rights and Obligations: General rights and obligations of co-owners, including use of property and financial responsibilities
7. Management and Decision Making: Procedures for property management decisions, voting rights, and majority requirements
8. Financial Provisions: Cost sharing, maintenance expenses, insurance, and other financial obligations
9. Use of Property: Rules regarding personal use, scheduling, and allocation of space
10. Maintenance and Repairs: Responsibilities and procedures for property maintenance and repairs
11. Transfer of Ownership: Rules and procedures for selling or transferring ownership shares
12. Dispute Resolution: Procedures for resolving conflicts between co-owners
13. Term and Termination: Duration of the agreement and conditions for termination
14. Governing Law: Confirmation of Swiss law application and jurisdiction
1. Rental Provisions: Rules for renting out the property or individual parts (include if rental to third parties is permitted)
2. Property Manager: Appointment and duties of a professional property manager (include if professional management is desired)
3. Right of First Refusal: Procedures giving co-owners priority rights to purchase other shares (include if agreed by parties)
4. Special Use Rights: Exclusive use rights for specific areas (include for properties with designated private areas)
5. Business Use: Regulations for commercial use of the property (include if business use is contemplated)
6. Renovation Projects: Procedures for major renovations and improvements (include for older properties or planned upgrades)
7. Succession Planning: Rules regarding inheritance and succession of ownership shares (include for family arrangements)
8. Insurance Requirements: Detailed insurance obligations beyond basic coverage (include for high-value properties)
1. Property Details: Land registry extract, property plans, and technical specifications
2. Ownership Certificate: Official documentation of ownership shares and registration
3. Financial Schedule: Detailed breakdown of cost sharing and financial contributions
4. House Rules: Detailed rules for property use and maintenance
5. Maintenance Schedule: Regular maintenance tasks and responsibilities
6. Insurance Policies: Copies of current insurance documentation
7. Property Valuation: Recent property valuation report
8. Contact List: Emergency contacts, service providers, and important numbers
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Banking & Finance
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Relevant Teams
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Real Estate
Property Management
Compliance
Finance
Risk Management
Corporate Services
Facilities Management
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Relevant Roles
Real Estate Lawyer
Property Manager
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Investment Manager
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Notary Public
Compliance Officer
Financial Advisor
Property Administrator
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Real Estate Investment Analyst
Risk Manager
Corporate Counsel
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