{"id":34309,"date":"2025-09-01T12:49:49","date_gmt":"2025-09-01T10:49:49","guid":{"rendered":"https:\/\/www.brymmo.ch\/buying-in-costa-rica-as-a-swiss-citizen-a-clear-and-practical-guide\/"},"modified":"2025-09-03T18:14:35","modified_gmt":"2025-09-03T16:14:35","slug":"buying-in-costa-rica-as-a-swiss-citizen-a-clear-and-practical-guide","status":"publish","type":"post","link":"https:\/\/www.brymmo.ch\/en\/buying-in-costa-rica-as-a-swiss-citizen-a-clear-and-practical-guide\/","title":{"rendered":"Buying in Costa Rica as a Swiss citizen: a clear and practical guide."},"content":{"rendered":"\n<p>Have you ever imagined sipping your morning coffee facing the Pacific, or a villa immersed in the jungle just steps from a secret beach? Costa Rica is attracting more and more Swiss buyers thanks to its stability, its climate, and a market that remains transparent. Good news: becoming a property owner is open to foreigners (with a few nuances in maritime zones). And once you know the steps, it\u2019s simpler than it seems to buy in Costa Rica as a Swiss citizen.   <\/p>\n\n<h2 class=\"wp-block-heading\">The reassuring (true) story: from Lausanne to the Nicoya Peninsula<\/h2>\n\n<p>Marc and L\u00e9a, a couple in their thirties based in Lausanne, work in Switzerland and dream of a \u201ctropical-chic\u201d pied-\u00e0-terre to work remotely a few weeks a year and rent out the rest of the time. They discovered the market in Nosara and Samara: contemporary homes, quality services, an international community.<br\/>Their \u201cSwiss method\u201d: file prepared, local lawyer\/notary chosen in advance, funds secured through a duly regulated <em>escrow<\/em> account, and a title check at the Registro Nacional. Result: a house with a garden, owned through a local company, closed in 45 days, and rental income properly declared. No miracle, just a well-managed process.   <\/p>\n\n<h2 class=\"wp-block-heading\">What you need to know and check before buying<\/h2>\n\n<h3 class=\"wp-block-heading\">1) Property rights: largely open\u2026 except on the immediate coastline.<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Outside the maritime zone, a foreigner may own property outright, directly or through a local company (S.A. or S.R.L.). Checks are carried out at the Registro Nacional (land registry).  <\/li>\n\n\n\n<li>Maritime zone (200 m from the high tide line):\n<ul class=\"wp-block-list\">\n<li>The first 50 meters are 100% public and inalienable.<\/li>\n\n\n\n<li>The next 150 m are subject to <a href=\"https:\/\/pgrweb.go.cr\/scij\/busqueda\/normativa\/normas\/nrm_texto_completo.aspx?nValor1=1&amp;nValor2=32006\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">concession<\/mark><\/a>: a foreigner who has not been a resident for 5 years cannot be a majority concessionaire (49% max rule for non-residents), and additional conditions apply to companies. This is a key point if you are targeting the &#8220;waterfront&#8221;. <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">2) Where to buy? Quick mapping of the markets. <\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>North Pacific (Guanacaste)<\/strong>: Tamarindo, Nosara, Papagayo \u2014 access, surf, international schools, seasonal rental yields.<\/li>\n\n\n\n<li><strong>Central Pacific<\/strong>: Jac\u00f3, Manuel Antonio \u2014 established tourism, proven rental management.<\/li>\n\n\n\n<li><strong>South Pacific<\/strong>: Dominical, Uvita, Ojochal \u2014 preserved nature, spectacular ocean\/jungle views.<\/li>\n\n\n\n<li><strong>Central Valley<\/strong>: Escaz\u00fa, Santa Ana, Heredia \u2014 urban life, medical services, international schools.<br\/><em>Question for you<\/em>: do you prefer the energy of surf spots or the serenity of a canopy retreat?<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">3) How much are the purchase fees?<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Transfer tax: 1.5% of the registered price.<\/li>\n\n\n\n<li>Stamps\/stamp duties: about 2%\u20132.5% (varies depending on the stamps required).<\/li>\n\n\n\n<li>Notary fees: legal scale (often around ~1% depending on complexity).<br\/>Generally, expect <strong>\u2248 3.5%\u20135%<\/strong> in &#8220;closing&#8221; costs (<a href=\"https:\/\/passports.io\/citizenship\/costa-rica\/real-estate\/cr3?utm\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">excluding potential structural costs<\/mark><\/a>).<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">4) Property taxation (regular and \u201cluxury\u201d)<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Municipal property tax (<a href=\"https:\/\/pgrweb.go.cr\/scij\/Busqueda\/Normativa\/Normas\/nrm_texto_completo.aspx?lResultado=1&amp;nValor1=1&amp;nValor2=77831&amp;nValor3=97838&amp;nValor4=1&amp;param1=NRTC&amp;param2=1&amp;strSelect=sel&amp;strTipM=TC\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">IBI<\/mark><\/a>): 0.25%\/year of the value registered with the municipality, value declaration at least every 5 years.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.hacienda.go.cr\/docs\/TarifasdelImpuestoISO.pdf\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Impuesto Solidario<\/mark><\/a> (known as the &#8220;luxury residence tax&#8221;): progressive scale updated annually by the Ministerio de Hacienda. For 2025, refer to the official tables published in January (amounts in colones and detailed brackets). Have it validated by a lawyer\/tax specialist, as subjection depends on a technical assessment of the building and its tax value.  <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">5) <strong>Escrow<\/strong> account and compliance<\/h3>\n\n<p>Funds ideally pass through an <em>escrow<\/em>** account managed by a regulated provider (SUGEF)**, with the necessary AML\/KYC controls (origin of funds, identification documents, etc.). This is the standard for securing the down payment and closing.<a href=\"https:\/\/taxsummaries.pwc.com\/costa-rica\/individual\/foreign-tax-relief-and-tax-treaties\" target=\"_blank\" rel=\"noreferrer noopener\"> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">More information here<\/mark>.<\/a> <\/p>\n\n<h2 class=\"wp-block-heading\">The \u201chow-to\u201d step by step (typical process)<\/h2>\n\n<p><strong>1. Pre-selection &amp; mandate<\/strong><br\/>Define budget, location, and mode of ownership (direct or company).<\/p>\n\n<p><strong>2. Lawyer\/notary<\/strong><br\/>Hire an independent abogado\/notario who will draft the purchase option, conduct due diligence, prepare the deed, and register the transfer. We have partners in San Jos\u00e9 who can help. <\/p>\n\n<p><strong>3. Offer \/ Option to Purchase<\/strong><br\/>Timelines, contingencies, deposit into escrow, due diligence period (usually 30\u201360 days).<\/p>\n\n<p><strong>4. Due diligence<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Title chain \/ Folio Real at the Registro Nacional<\/li>\n\n\n\n<li>Plano catastrado and land\/plan correspondence<\/li>\n\n\n\n<li>Easements, mortgages, annotations<\/li>\n\n\n\n<li>Zoning, land use, environment (and attention to concessions if on the coast)Servitudes, hypoth\u00e8ques, annotations<\/li>\n<\/ul>\n\n<p><strong>5. Deed and registration<\/strong><br\/>Signature before the notary, payment of taxes and stamps, registration at the Registro.<\/p>\n\n<p><strong>6. After purchase<\/strong><br\/>Utility connections (water\/electricity), municipal declaration (if reassessment needed), choice of property management if renting.<\/p>\n\n<h2 class=\"wp-block-heading\">Express checklist to keep on hand when buying in Costa Rica as a Swiss citizen<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Offer letter \/ option with clear deadlines<\/li>\n\n\n\n<li>Escrow details (SUGEF provider)<\/li>\n\n\n\n<li>Copy of Folio Real + plano catastrado<\/li>\n\n\n\n<li>Municipal certificates (land use\/zoning)<\/li>\n\n\n\n<li>Service contracts (water\/electricity)<\/li>\n\n\n\n<li>Local home insurance<\/li>\n\n\n\n<li>If coastal: <a href=\"https:\/\/pgrweb.go.cr\/scij\/busqueda\/normativa\/normas\/nrm_texto_completo.aspx?nValor1=1&amp;nValor2=32006\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">concession<\/mark><\/a> status and eligibility (residence \u2265 5 years if majority), municipal regulatory plan, fees and durations.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Residency status, banking and structuring for a Swiss buyer<\/h2>\n\n<p><strong>Tourist visa<\/strong>: Swiss citizens travel visa-free for short tourist stays (generally up to 90 days). This status does not prevent property purchase but does not allow you to work. <\/p>\n\n<p><strong>Bank accounts<\/strong>: easier with legal residency; otherwise, <a href=\"https:\/\/taxsummaries.pwc.com\/costa-rica\/individual\/foreign-tax-relief-and-tax-treaties\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">escrow<\/mark><\/a> is the standard way to pay for a purchase.<\/p>\n\n<p><strong>Investor residency<\/strong>: possible with a qualifying <a href=\"https:\/\/pgrweb.go.cr\/scij\/Busqueda\/Normativa\/Normas\/nrm_texto_completo.aspx?nValor1=1&amp;nValor2=26598\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">investment<\/mark><\/a> (amount set by law, currently from approximately 150,000 USD for certain investments); useful for facilitating banking, extended stays, and local operations. Validate the exact category with a migration firm. <\/p>\n\n<p><strong>Local company<\/strong>: it is common to buy via an S.A. or S.R.L. (governance, inheritance, liability). Request a tailored setup (corporate purpose, beneficial owners, annual obligations) <\/p>\n\n<h2 class=\"wp-block-heading\">Special cases: coastline, parks, borders<\/h2>\n\n<p>Costa Rica actively protects its coasts and parks. On the coast (Zona Mar\u00edtimo Terrestre), keep in mind: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>0\u201350 m: strict public domain, never privatizable.<\/li>\n\n\n\n<li>50\u2013200 m: <a href=\"https:\/\/ticotimes.net\/2022\/10\/14\/the-costa-rica-maritime-zone-rica-and-concession-property\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">municipal concession<\/mark><\/a>; if you have not been a resident for \u2265 5 years, you cannot be a majority concessionaire (and participation limits apply to foreign-capital companies). To be handled with a specialized local lawyer. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">FAQ \u201cSwiss Costa Rica\u201d \u2014 Frequently Asked Questions<\/h2>\n\n<p><strong>1) Can a Swiss citizen buy a house in Costa Rica without residency?<\/strong><br\/>Yes, freehold outside the concession zone. Residency becomes important if you are targeting the waterfront (concession) or if you want <a href=\"https:\/\/taxsummaries.pwc.com\/costa-rica\/individual\/foreign-tax-relief-and-tax-treaties\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">banking<\/mark><\/a> facilities. <\/p>\n\n<p><strong>2) Do I need a notary?<\/strong><br\/>Yes. In Costa Rica, the abogado\/notario drafts the deed, calculates taxes\/stamps, and records the transfer at the Registro Nacional. <\/p>\n\n<p><strong>3) What are the annual property taxes?<\/strong><br\/>The <a href=\"https:\/\/www.hacienda.go.cr\/docs\/TarifasdelImpuestoISO.pdf\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">IBI<\/mark><\/a> (0.25%\/year of the registered value) and, for high-value residences, the Impuesto Solidario (annual scale from the Ministerio de Hacienda).<\/p>\n\n<p><strong>4) Can I rent out my house?<\/strong><br\/>Yes, through a local property manager; account for tax obligations (income tax, VAT depending on rental type). Your lawyer\/accountant will guide you. <\/p>\n\n<p><strong>5) How long does a purchase take?<\/strong><br\/><br\/>With a complete file and escrow in place, typically 30\u201360 days (including due diligence), depending on title complexity, zoning, and party responsiveness.<\/p>\n\n<p><strong><strong>6) Taxation in Switzerland?<\/strong><\/strong><br\/>You will mainly be taxed on your assets, but your rental income will be added to your income. Several solutions can be considered to minimize your tax impact in Switzerland. <\/p>\n\n<h2 class=\"wp-block-heading\">Why Costa Rica appeals to Swiss buyers<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Political stability and rule of law<\/li>\n\n\n\n<li>Environmental protection and conservation policies<\/li>\n\n\n\n<li>Time zone compatible with remote work from Europe<\/li>\n\n\n\n<li>Quality of care and international education in expat hubs<br\/>As a bonus, the moderate <a href=\"https:\/\/faolex.fao.org\/docs\/pdf\/cos117301.pdf\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">property tax<\/mark><\/a> (0.25%) encourages long-term ownership.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Mistakes to avoid<\/h2>\n\n<p>1. Confusing \u201cbeachfront\u201d and \u201cfull ownership\u201d: concession is not a classic title \u2014 research carefully before falling in love with a plot.<\/p>\n\n<p>2. Forgetting the \u201cplano catastrado\u201d: align cadastre with physical reality (boundaries, access, easements).<\/p>\n\n<p>3. Paying without escrow: always require a regulated <em>escrow<\/em> account and a calendar tied to due diligence.<\/p>\n\n<p>4. Neglecting IBI or the Solidario: check your fiscal values and declarations; Solidario brackets change annually.<\/p>\n\n<h2 class=\"wp-block-heading\">And now: which Costa Rica is right for you?<\/h2>\n\n<p>Surf &amp; sunsets (Tamarindo \/ Santa Teresa) or forest &amp; waterfalls (Uvita \/ Dominical)? Do you need an international school nearby, or are you looking for a nature retreat with seasonal rental income? <\/p>\n\n<p>At <a href=\"http:\/\/www.brymmo.ch\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Brymmo<\/mark><\/a>, we help you frame the why, specify the where, and unfold the how with a hand-picked network of local lawyers\/notaries, managers, and experts.<\/p>\n\n<p>Are you considering a serious &#8220;Switzerland &#8211; Costa Rica&#8221; project? Contact Brymmo: we will accompany you from selection to signing, then to management.<br\/>Contact us for your projects in South and Central America \u2014 and let&#8217;s make your home in Costa Rica a serene and secure reality. <a href=\"https:\/\/www.brymmo.ch\/en\/sale-2\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">See our mandates here<\/mark><\/a>. <\/p>\n\n<h2 class=\"wp-block-heading\">Notes &amp; important reminders<\/h2>\n\n<p>This guide for buying in Costa Rica as a Swiss citizen does not replace legal advice. Before any commitment (especially in maritime zones), consult a Costa Rican lawyer. <\/p>\n\n<p>Tax scales (Impuesto Solidario) and procedures evolve; always check the official tables of the year and current regulations.<\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever imagined sipping your morning coffee facing the Pacific, or a villa immersed in the jungle just steps from a secret beach? Costa Rica is attracting more and more Swiss buyers thanks to its stability, its climate, and a market that remains transparent. Good news: becoming a property owner is open to foreigners [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[751,351],"tags":[],"class_list":["post-34309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-costa-rica","category-purchase"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buy in Costa Rica as a Swiss citizen: the clear and practical guide<\/title>\n<meta name=\"description\" content=\"How can a Swiss citizen buy property in Costa Rica? 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