Houzy is a young Swiss PropTech company with one goal: Making homeownership simple. The platform integrates user-friendly online tools such as the property valuation, the renovation calculator or the property gains tax calculator, which help to optimally manage private property and save effort and costs in the process. The scope of Houzy is constantly being expanded. You can find out more under About us.
Houzy works with selected Swiss real estate experts. The renovation calculator is created in collaboration with QualiCasa AG, the Swiss expert in building analyses for over 15 years. The market value analysis HouzyValue is based on data from our partner Fahrländer Partner Raumentwicklung, a specialist in data analysis. Qualified tradesmen and estate agents are also among our industry partners. You can find more information about our partners here.
Houzy was founded in 2017. The share capital is held by the founders, many employees and the two strategic partners Baloise and UBS.
Houzy is financed by mediating third-party services and by advertising partnerships with national and regional partners. However, you as a user always decide for yourself when you want to share what and with whom. You therefore always retain sovereignty over your data and may use Houzy permanently free of charge.
The use of Houzy is free of charge and remains so. To use the features on Houzy, you only need to register with your email address. When an order is placed with one of our verified partners, payment is handled independently of Houzy between the user and the craftsmen.
You can easily change your details afterwards. You can also add more properties to your account and thus manage several properties at the same time.
Once you are registered, you have access to your Houzy account and thus to your personal dashboard. There you can view the result of the analysis, explore your digital "house cockpit", contact qualified tradesmen with just a few clicks and use other functions related to your home ownership free of charge. You can expect a range of smart tools to make your life as a homeowner easier.
Data protection and security are our top priority. That's why we leave nothing to chance. To ensure the protection of your personal data and secure data transmission, we work with the latest security technologies. Your data is stored in encrypted form in a computer centre that is certified with all current industry standards. Data is therefore only passed on to third parties if you request service offers via Houzy that require this. An example of this is when you actively contact one of our broker partners. You can find further information in our T&Cs under "Our privacy policy".
Registration on Houzy is a prerequisite for using our products on the platform. By registering, you open a Houzy account free of charge and without obligation. There you can view the results of the analyses, get a digital overview of your house or condominium and use other useful features free of charge. To register, all you need to do is enter your email address.
The result of the Renovation Calculator is based on an analysis model by QualiCasa AG - the Swiss expert in building analyses for over 15 years. By definition, a model does not reflect reality exactly. It is intended to provide a point of reference for taking a closer look where necessary. In order to make an exact analysis of the building components and the corresponding renovation needs, you still need a specialist on site. You can also find a broad regional network of experts on Houzy.
In principle, there is no legal obligation for condominium owners to set up a renovation fund and thus no legally prescribed contribution amount. What is clear, however, is that if you want to prevent a reduction in the value of your condominium, you must keep your building in good condition and set aside reserves for renovation and maintenance work for your own flat and the common building. It is less clear how much should be paid into the fund. The guideline ranges from 0.3% to 1% of the purchase price. However, most experts agree on one point: many condominium associations pay far too little into the renewal fund. If the renewal fund is too low, it can quickly lead to financial bottlenecks and disputes in the condominium owners' association when a renovation project is necessary. Houzy therefore first analyses the renovation needs of the condominium's own and communal building components and calculates the renovation costs and timeframes using thousands of comparative data. Based on this differentiated cost estimate and additional information on the condominium unit, the required payments into the renovation fund can be calculated. The Houzy Contribution Calculator thus serves as an initial, data-based basis for discussion at the next owners' meeting.
Houzy's property valuation is produced in collaboration with Fahrländer Partner Raumentwicklung. FPRE is a specialist in data analysis and can thus produce a unique, comprehensive property valuation from thousands of data sources from comparable properties. The data you request is sufficient to provide you with an initial estimate and thus a point of reference. In order to accurately assess the value of a property, a complex valuation procedure and an expert on site are required. This is the only way an estate agent can take into account all the value-enhancing criteria and produce a qualified valuation. However, such extensive valuations also mean more effort and take more time and sometimes cost a lot of money.
Houzy's digital property valuation analyses the value of your residential property with just a few details - completely free of charge and without obligation. The analysis is based on initial relevant criteria such as the plot and living space or the estimated condition of the house and thus serves as a first point of reference. The property valuation is carried out in 5 simple steps in under 5 minutes and provides you with an independent, neutral estimate of the property value. Ongoing added value is also provided by the automatically analysed changes in market value, which you can view quarterly in your account. Our qualified broker partners, such as Engel und Völkers, are also available to you free of charge for an on-site analysis after the property valuation, if required.
A property valuation is significant for both home buyers and home sellers. Many owners do not have a clear idea of the market value of their property before selling it. The self-assessed property value is often based on the market value at the time or the emotional value of the property. Accordingly, home buyers are often uncertain about the actual value of the property due to a lack of transparency. The market value of a property changes depending on the economic situation and is dependent on supply and demand. Therefore, comprehensive knowledge of the regional real estate market is indispensable for an accurate valuation of the property. As a seller, you can only achieve a realistic price on the property market if you know the actual, data-based value of your property. A price that is set too high will scare off potential buyers, while a sales price that is too low can lead to a large loss of assets. With a data-based property valuation, these mistakes can be avoided and the property can be sold quickly and satisfactorily. Accordingly, a data-based property valuation also helps home buyers to obtain the necessary certainty about the price of the desired property and to make informed decisions in the purchase process.
You can take out a mortgage up to 18 months in advance. If you regularly check the interest rate forecast and extend your loan at the right time, you can get a good interest rate. Pay attention to the terms and notice periods or the repossession conditions of the mortgage you want to extend. If you've split the mortgage into multiple installments, you should make sure that the overall funding still matches your risk profile (stable, balanced, or market-oriented) when you extend a tranche.
Before extending the mortgage, you should ask yourself if there is something fundamental that might change in your life in the near future:
Do you want to pay off a mortgage, i.e. pay it off at maturity or take out a mortgage with another provider? In this case, you need to know the terms of the mortgage you want to redeem. Although it usually comes at a cost, an early redemption can sometimes be a good idea because you can get a better mortgage.
The Houzy Energy Calculator takes into account the building standard and renovations, just like the GEAK® building energy certificate of the cantons. In this way, we define the actual state of a building and derive from it the renovation potential of the building envelope, the systems engineering and all electrical installations. For our analysis of the actual state, we also take into account the heating and electricity profile as well as the hot water distribution.
That depends on the measures. With our energy calculator and renovation calculator, you can estimate the approximate investment costs. The energy calculator also shows how much subsidies you will receive. The investment costs are comparatively high, and the annual savings seem low at first glance. Nevertheless, an energetic renovation is worthwhile. On the one hand, because a large part of the costs would be incurred sooner or later anyway, for example for a new heating system. On the other hand, because the prices for oil and gas will increase significantly in the next few years due to rising taxes and incentive taxes.
The digital solar calculator from Houzy analyses the solar potential as well as the costs of a photovoltaic system with just a few entries - completely free of charge and without obligation. The analysis is based on all relevant criteria of a solar analysis and shows you the investment costs, operating costs, subsidies, tax savings, feed-in tariffs, etc. in detail. In just 2 minutes and after a few clicks, the solar calculator is ready and you can see all the relevant information about the photovoltaic system in an overview. The results are completely neutral - Houzy is an independent platform and does not pursue any third-party interests.
In principle, it is always useful to know what advantages and disadvantages the various heating systems have. Especially shortly before the end of the life expectancy of your current heating system, it is relevant to know which heating system makes sense for your needs and your property. Since a heating system can fail at any time, it is especially important towards the end of the expected life of a heating system to know which heating system you will install afterwards. This will prepare you for a possible change of heating system. Especially before the winter starts, you should find out which heating system suits your needs. In addition, there is another important occasion when you should consider the heating system and possible replacement: Before buying a house or flat. If you are planning to buy a house or a flat, you should definitely analyse the heating system in terms of remaining lifetime, running costs, CO2 emissions and successor heating system.
When you replace a heating system, the first thing you have to pay for is investment costs. The existing heating system must be replaced. The new heating system is installed, which means that in addition to the costs for the heating system, there are also corresponding installation costs. The heating calculator calculates the running costs for you - divided into maintenance costs and energy costs. In the case of running costs, the energy costs in particular vary greatly between heating systems. However, the energy costs also depend on your individual energy requirements. In addition to the costs, we also include the subsidies from the relevant canton.
The heating comparison considers the heating systems that are most widespread in Switzerland. The following heating systems are included in the comparison calculator: gas heating, oil heating, heat pump air, heat pump earth, district heating and wood. Electric heating is not included. Electric heating is still widespread in Switzerland, but it is a very uneconomical heating system. Moreover, the installation of new electric heating systems has been prohibited in all cantons since 2008.
The Houzy Plant Guide is a web-based app. This means that the Houzy Plant Guide can recognise plants and give you care tips about plants - just like any other app. However, you cannot currently download the plant manager from the App Store or the Google Play Store.
The plant recognition algorithm of the Plant guide analyses the shape of the plant or individual components such as the plant flower or a plant leaf. The photo of the plant for recognition is then matched with a huge database of over 40,000 plants and even more plant images. If the photographed plant is in the database, it is identified and you can add it to your personal plant overview.
The way to plant identification is easy with Houzy plant guide. You can simply take a photo of a plant directly with your mobile phone or upload an existing image. Based on the photo, our algorithm searches for the corresponding plant and recognises it with a high probability.