{"id":8800,"date":"2026-03-12T23:32:08","date_gmt":"2026-03-12T21:32:08","guid":{"rendered":"https:\/\/stockwerkeigentum-buchhaltung.ch\/?p=8800"},"modified":"2026-05-28T19:21:09","modified_gmt":"2026-05-28T17:21:09","slug":"selbstverwaltung-in-der-stweg-worauf-sie-rechtlich-unbedingt-achten-muessen","status":"publish","type":"post","link":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/selbstverwaltung-in-der-stweg-worauf-sie-rechtlich-unbedingt-achten-muessen\/","title":{"rendered":"Self-Management in the HOA: What You Absolutely Need to Know from a Legal Perspective"},"content":{"rendered":"<p>Many smaller homeowners' associations in Switzerland choose to manage themselves. While this saves the traditional management fee, it comes with legal pitfalls that can prove costly in serious situations. Those who self-manage bear the responsibility of ensuring that the statutory requirements of the Civil Code (ZGB) and their own regulations are strictly adhered to.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Here are the critical points you need to have under control when self-managing:<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>1. Proper bookkeeping is not optional \u2013 it's mandatory<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>The law requires proper accounting. When self-managing, a simple Excel spreadsheet is often not sufficient to withstand legal scrutiny \u2013 or the scrutiny of critical co-owners.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul>\n<li><b>Legal compliance: <\/b>The annual accounts must include a balance sheet and income statement.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li><b>Distribution key: <\/b>Costs must be allocated precisely according to the value quotas or special keys defined in the regulations. Errors here can render the entire annual accounts contestable.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b>2. Liability risks for the delegate<\/b><\/p>\n<p>Whoever takes on the management role (often referred to as the \"delegate\") acts on behalf of the community.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul>\n<li><b>Duty of care: <\/b>In cases of gross negligence (e.g. forgotten insurance premiums or incorrectly calculated ancillary costs), the self-managing owner can be held personally liable.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li><b>Tip: <\/b>Check whether your private liability insurance covers such activities \u2013 in most cases, it does not.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b>3. Procedural errors at the owners' meeting<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>The owners' meeting is the supreme governing body of the HOA. Procedural errors in the invitation or conduct of the meeting can render all resolutions passed null and void.<\/p>\n<ul>\n<li><b>Notice period: <\/b>If the period stipulated in the regulations (often 10 to 20 days) is not observed, the meeting has not been properly convened.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li><b>Agenda: <\/b>As a rule, no binding decisions may be made on matters that were not on the agenda.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b>4. Maintenance and reserve fund<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>A common mistake in self-management is the neglect of long-term planning.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul>\n<li><b>Renewal fund: <\/b>Contributions must be collected in accordance with the resolution and kept in a legally separate account from the current operating account.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li><b>Construction work: <\/b>If renovations are started without proper resolution or without obtaining the necessary majorities (simple vs. qualified majority), lengthy legal disputes among neighbours may follow.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b>5. Minutes: The most important document<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>The minutes serve as evidence of all decisions made. In self-managed communities, this is often treated as an afterthought.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul>\n<li><b>Content: <\/b>Minutes of resolutions must contain at least the motions put forward and the exact voting results.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li><b>Objection period: <\/b>Upon delivery of the minutes, dissenting owners have a 30-day period to contest resolutions (Art. 712m ZGB). Without delivery of the minutes, this period theoretically never begins.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Conclusion: Relief instead of risk<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>Self-management means full responsibility. Many communities find after some time that the administrative burden and legal risk are disproportionate to the savings made.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>The solution: <\/b>With our \"HOA Accounting\" model, you retain the sovereignty of your self-management while handing over the risky and time-consuming areas \u2013 bookkeeping and payment transactions \u2013 to professional hands. This keeps you legally protected without having to finance a costly full management service.<\/p>","protected":false},"excerpt":{"rendered":"<p>Viele kleinere Stockwerkeigent\u00fcmergemeinschaften in der Schweiz entscheiden sich dazu, die Verwaltung selbst in die Hand zu nehmen. Das spart zwar das klassische Verwalterhonorar, birgt aber rechtliche Fallstricke, die im Ernstfall teuer werden k\u00f6nnen. Wer selbst verwaltet, tr\u00e4gt die Verantwortung daf\u00fcr, dass die gesetzlichen Vorgaben des Zivilgesetzbuches (ZGB) und des eigenen Reglements strikt eingehalten werden.\u00a0 Hier&#8230;<\/p>","protected":false},"author":2,"featured_media":8835,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[17],"tags":[20],"class_list":["post-8800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rechtliche-grundlagen","tag-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/posts\/8800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/comments?post=8800"}],"version-history":[{"count":1,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/posts\/8800\/revisions"}],"predecessor-version":[{"id":8801,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/posts\/8800\/revisions\/8801"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/media\/8835"}],"wp:attachment":[{"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/media?parent=8800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/categories?post=8800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stockwerkeigentum-buchhaltung.ch\/en\/wp-json\/wp\/v2\/tags?post=8800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}