I see there's an issue in the tracker to get more accurate data, and since it's using an under dev feature in compilers, it's not going to be definitive, but any rough numbers?

It's rarely 0.03 though in my experience. More like 10 a month or even more between the cheap options with bad support and the better ones. Even if you have one issue every year (sounds high to me), that's over a hundred per support phone call. Makes you think twice about the trade-offs.

Yes infrastructure are strained, but it's not like nothing is being done. It's just that it take decades, and will be too little, too late.

Same thing with housing. Every one is saying we need to make the procedures more efficient, but when it comes time to actually makes changes, there's no consensus to drop anything.

They could have done better, but it would have been very easy to make nothing but empty promises. I prefer they didn't.

Although I thought weird that SVP brought the "we will need to increase retirement age" themselves. It's actually pretty likely, but sounds like a massive own goal so close to the vote given how unpopular it is.

In particular, the title part sounds horrible (and expensive). As far as I know, over here it's all handled by the state, no insurance required. I don't know if it's because of different laws regarding future claims (the registry is the truth, too late to change it?) or just better records?

Same with tax/insurance escrow, you just pay directly as it comes, but since we have essentially no property taxes, it's probably not required?

On the other hand, here mortgages only have a closing fee (and quite often even none at all, with all the small fees being invisible and rolled into the margin), so that transparency is welcome.

Yes, it will take effect in 2028. Although that's unfortunate, it was a good tax to equalise tax treatment of owners vs renters.

The Swiss market is also different in many ways: no capital gains taxes except on real estate, which really shifts the invest against house appreciation towards renting.

> Basically farmers and the upper quartile of income earners are the majority of owners.

I'm not certain the second part is very true. Of course, given how prices are you need to be rich to buy, but I think the bias is a lot more towards age than income: those that own are overwhelmingly those that bought a long time ago or inherited.

Finally, rent control results in some crazy price to rent ratios in the big cities: Zürich is around 35. But as usual with rent control, it's if you can find the right place.

There is significant support for the initiative. Initiatives tend to lose steam as time go by, so it might not be enough in the end, but like Brexit, don't underestimate it.

Also because, at least on our side, the account was in an inconsistent state: we were correctly enrolled/validated, but could not access the signing interface.

So it looks like even if no one actually updates, the vast majority of the cases will be caught by automated tools. You just need to give them a bit of time.

You don't even have to be as organised as in the example, LLMs are pretty good at making something out of ramblings.

I agree it's best if working in isolation, but if you need to synchronise then estimations make sense.

If you need 3 months to implement something, and another team 1 week, and both need to be ready at the same time; then if you actually know those estimations the second team can wait until then and do something immediately useful in between.