Carolin Roth X Ursina Kubli and Lorenz Laich
Has the dream of owning a home already dreamed out for many?
Ursina Kubli and Lorenz Laich discuss the emotional value of property, the privilege of owning a home, and who can actually still afford it these days.
Living in your own home offers security, both emotionally and financially. However, barely 10% of today’s tenant households in Switzerland can afford to buy their own home. Ursina Kubli, Head of Real Estate Research at Zurcher Kantonalbank, and Lorenz Laich, CEO of Clientis BS Bank Schaffhausen, discuss supply and demand, regional differences in the property markets, and the rules banks must follow when granting mortgages.
The podcasts are available — by episodes — in German or French.
Head of Real Estate Research at Zurcher Kantonalbank
Ursina Kubli
Ursina Kubli is Head of Real Estate Research at Zurcher Kantonalbank (ZKB). She joined ZKB in 2017, having previously worked for around ten years at Bank J. Safra Sarasin as an economist and currency strategist. Ursina Kubli began her professional career in 2004 at the Swiss Economic Research Centre (KOF) at ETH Zurich in the field of industrial economics. She is a frequently consulted spokesperson on property matters in the media.
Chairman of the Executive Board of Clientis BS Bank Schaffhausen
Lorenz Laich
Lorenz Laich has been Chairman of the Executive Board of Clientis BS Bank Schaffhausen since April 2017. Prior to this, he had already served as a member of the Executive Board for five years. He began his banking career 45 years ago with an apprenticeship at what was then Bankverein in Schaffhausen. Further career moves took him to UBS and the private bank Wegelin. Politically, Laich has been active as a member of the Schaffhausen Cantonal Council since 2011. Until 2016, he also served as a member of the municipal council.
Host
Carolin Roth
Carolin Roth is a financial journalist, moderator and reporter boasting over 17 years’ experience with CNBC International in Zurich and London, where she has presented live programmes on financial markets, business and politics for an international audience. She now works on a freelance basis for NZZ Connect, Handelsblatt and Forbes, among others, and moderates conferences on such topics as sustainable investment, geopolitics and the digital transformation. With her excellent specialist knowledge, international experience and self-assured manner, she makes complex economic relationships easy to understand, be it on stage, in the studio or on a podcast.
