«Why choose a SVIT real estate professional?»

«Why choose a SVIT real
estate professional?»
The quality seal for real estate professionals in Switzerland
Schweizerischer Verband der Immobilienwirtschaft SVIT («SVIT Schweiz»)
Association suisse de l’économie immobilière SVIT («SVIT Suisse»)
Associazione svizzera dell’economia immobiliare SVIT («SVIT Svizzera»)
Swiss Real Estate Association SVIT («SVIT Switzerland»)
Contents
2
SVIT Overview
4
Regional member organisations
6
Swiss Chamber of Surveyors SEK
8
Chamber of Independent Consultants for Building Owners KUB
10
Swiss Chamber of Real Estate Brokers SMK
12
SVIT FM Switzerland
14
Chamber of Freehold Condominiums
16
SVIT Swiss Real Estate School
18
SVIT Publications
20
SVIT Forum and SVIT Campus
22
Arbitration and Disciplinary Committees
24
Swiss Real Estate Institute
1
SVIT Switzerland
Assembly of delegates
Subsidiaries
Training programmes
>
> Property management
> Real estate marketing
Professional chambers
Member organisations
> Property valuation
> Real estate development
>
> Professional exams for
real estate agents
Postgraduate
> Master of Advanced Studies in
Real Estate Management MREM
Seminars and Courses
>
>
Tribunals
Professional Exams
Partner organisations
On the pulse of the real estate industry
With more than 2000 corporate members across all of the lin­
SVIT in brief:
g­uistic and cultural regions of Switzerland, SVIT, the Swiss Real
> Established in 1933.
­Estate Association, represents a significant part of an eco­
> SVIT is a national organisation.
nomically and socially important industry. Through highly profes­
> Some 2000 members in all of the cantons of Switzerland.
sional work and by adhering to recognised professional guide­
> Five specialised chambers ensure reliable expertise.
lines SVIT has earned its reputation. And with modern education
> Strongly committed to education and professional training.
and advanced training programmes for real estate profession­
> SVIT Publishing provides the latest expertise and knowledge.
als, SVIT is ensuring a strong future for real estate services in
> SVIT mediation committees keep the industry healthy.
­Switzerland.
> National events build industry networks.
> The Swiss Real Estate Institute – research for practical
The special committees of SVIT provide the latest in specialised
­applications.
knowledge. They include: the Swiss Chamber of Surveyors (SEK),
An overview of SVIT.
the Chamber of Independent Consultants for Building Owners
(KUB), the Swiss Chamber of Real Estate Brokers (SMK), the Facil­
ity Management Chamber (FM), and the Chamber of Freehold
SVIT is organised like a holding company and offers a comprehensive range of services
to its members and the industry as a whole. Its services range from arbitration and
disciplinary committees to established networking platforms and a range of professional education programmes. With its highly qualified instructors and a wide range of
seminars up to the university level, the association’s Swiss Real Estate School sets the
standards and plays a central role for the future of the industry. SVIT is the seal of
quality for real estate professionals and the first stop for anyone seeking advice on any
facet of real estate. Why not leaf through the following pages and see for yourself what
SVIT has to offer?
2
Condominiums. The array of specialists who have joined forces
For further information and contact points:
under the auspices of SVIT range from management profession­
Swiss Real Estate Association SVIT
als to marketers, developers, surveyors, and consultants of every
(«SVIT Switzerland»)
kind, as well as facility managers – thus the entire real estate
Puls 5, Giessereistrasse 18
lifecycle is represented.
CH-8005 Zurich
Phone
+41 44 434 78 88
Fax
+41 44 434 78 99
[email protected]
Websitewww.svit.ch
3
«Here’s why you need a SVIT
member in your region.»
Holistic real estate management
SVIT real estate professionals understand the needs of their cus­
The regional SVIT member in brief:
tomers: from the concerns of private residential property owners
> Understands customers’ issues and tenancy law providing
to the needs of public companies or institutional investors with a
portfolio of properties.
competent and specific support.
> Understands technical issues for sustainable value retention
and value appreciation.
Good real estate professionals treat the properties entrusted to
> Upholds high quality standards, thanks to knowledge
them as their own. The professional sees the entirety of a build­
­exchange within the network and regularly scheduled profes­
ing and all the necessary facets of management – from initial
sional training and workshops.
and subsequent rentals, to tenants, maintenance, rent collec­
tion, and even project management of renovations. The age of
> Has comprehensive training and experience for professional
and efficient management of properties.
bureaucratic managers is over. Nowadays, owners want fullyengaged specialists who offer sound advice.
The SVIT network provides SVIT real estate professionals
with a platform that enables a valuable exchange of ideas and
C
onflict explodes into a paper war.
the i­mplementation of quality standards throughout Switzer-
Source: ”Tages-Anzeiger“, 16/1/2012
current issues.
The number of conflicts between tenants have increased dramatically in recent years. Psychologists
attribute the trend to rising workplace pressures and a decline in social tolerance, particularly where
different cultures collide. Property owners are often overwhelmed by the conflicts among their tenants
and are swamped with letters and complaints from both sides. Such conflicts usually end with at least
one of the parties moving out, leaving the owner with a huge amount of paperwork and vacancy losses.
Wouldn’t it be better if owners got professional help from the beginning?
SVIT real estate professionals are thoroughly trained and under­
4
land. This is supported by regularly scheduled workshops on
stand tenancy law by heart. They are experienced and manage
their customers’ properties professionally and efficiently.
5
«Here’s why you need a SVIT
expert surveyor.»
Specialist surveyors for any situation
A property survey that is far out of step with the market can
ised knowledge is always up to date, the SEK maintains regular
have unpleasant financial and legal consequences for many
contact with international professional organisations, such as
different parties. That is why to play it safe, owners or potential
the European Group of Valuers’ Associations (TEGoVA) and the
buyers often commission a member of the Swiss Chamber of
Royal Institution of Chartered Surveyors (RICS).
Surveyors (SEK). Every member of the SEK is a neutral, certified
expert surveyor with market experience who knows the best
The Swiss Chamber of Surveyors and its members in brief:
surveying method for each case – the chamber guarantees it.
> In-depth analysis of all of the essentials and market
Members of the SEK can provide surveys for a diverse range of
properties, from single-family homes to commercial buildings
and property portfolios. Neutral standards taught in basic and
professional training courses apply to members of the SEK and
this ensures that valuation criteria are applied uniformly. The
­parameters.
> Expertise in current valuation methods gained through
­training and experience for projects of any size.
> Specialised knowledge in the key areas of the construction
business, the real estate market, and economics.
Swiss Valuation Standards, created by SVIT and its partners and
modelled on international valuation rules, are central.
Specialist surveyors have a tremendous responsibility, which
is why SEK members not only have comprehensive knowledge
of construction and real estate, but also have an understand­
M
assively overpriced.
ing of economic issues and financial terminology. SEK members
Source: ”Handelszeitung“, 22/10/2011
understand comparative, intrinsic value, and capital-earnings
methods, as well as discounted cash flow and the real estate
valuation aspects of IAS, IFRS, and GAAP FER. In addition to
accepting commercial commissions, a number of SEK members
offer their comprehensive expertise in the service of the public
as accredited expert witnesses. To ensure that their special-
6
In uncertain times, Swiss investors stick to the rock-solid value of domestic real estate. But the increased
demand for real estate is driving prices up. Private investors risk paying too much for property. Properties
like small apartment buildings that seem very attractive at first glance may be on the market because the
seller cannot afford upcoming major renovations, which they leave to unwitting buyers. Why don’t property buyers seek advice from professional surveyors more often?
7
«Here’s why you need a SVIT
building consultant.»
The interest of the building owner is always central
In the age of dense bureaucracy and the legal minefields of com­
The Chamber of Independent Consultants for Building Owners
plicated planning and permitting processes, increasing numbers
and its members in brief:
of builders are happy to have a competent advisor by their side.
> The building owner consultant is multi-talented – construc­
The right choice for an advisor is an expert member of the
tion specialist, management expert, scheduling and financial
Chamber of Independent Consultants for Building Owners (KUB).
controller all rolled into one.
The chamber’s members always focus on the interests of the
owner and ensure quality in construction, as well as adherence
to ­budgets and work schedules.
> The building owner consultant is conscientious – they treat
the building as carefully as if it were their own.
> The building owner consultant is flexible and adapts to the
wishes of the building owner – either in a leadership role, in a
A building owners’ consultant is a construction expert, project
chain of responsibility, or as a project organiser.
manager, scheduling controller, and financial controller rolled
into one. The consultant’s job is to provide support to custom­
ers on central issues, such as budgetary and strategic planning,
needs determination, location planning, location evaluation,
feasi­bility assessment, milestone planning, and the implemen­
tation concept. The all-round experts also coordinate calls for
tenders, as well as hiring of general contractors and subcon­tract­
ors. It is up to the owners to decide what role the consultant
D
ream house turns into nightmare.
should play: project leader or construction assistant.
Source: ”Tages-Anzeiger“, 21/12/2012
KUB, together with its partners, publishes the Handbook for Real
The new multi-family house was to be a showpiece in every respect – that was the
dream of this private building investor. But the budget ran out before the roof went up.
The construction management was slack and cost control dysfunctional. Finally the
bank pulled out and the building was foreclosed. The property investor was left with
a pile of rubble. Why didn’t they call in a professional building consultant?
Estate Management. The handbook underscores the comprehen­
sive and networked expertise of KUB members and has become
a highly-prized standard work in the construction and real estate
industries.
8
9
«Here’s why you need a SVIT
real estate agent.»
High ethical standards
In a real estate deal, the buyer and seller have different interests,
The Swiss Chamber of Real Estate Brokers and its members in
which is why it is important for both sides that everything is
brief:
handled correctly – from the price to the contractual conditions
> Purchase or sale – the broker understands the market and
to the closing. At tense moments in real estate deals, custom­
ers want an expert who is an honest, open, and a responsible
representative of their interests. Those qualities are precisely
what you’ll find in members of the Swiss Chamber of Real Estate
Brokers (SMK).
the process.
> Members are committed to high standards of professional
ethics.
> Individual properties or large-scale developments – SVIT real
estate brokers have the expertise.
The professional ethical standards of the SMK apply to small
deals – such as the purchase or sale of a single-family home
– just as much as they do to the purchase of investment properties. The requirements of the profession have been rising
steadily over the past few years. Today, rather than single
properties, brokers are more commonly faced with large-scale
S
old under value.
projects covering big sites. Such projects require the agent to
have strategic abilities and comprehensive marketing expertise.
Source: ”Neue Zürcher Zeitung“, 27/9/2012
The core question in complex, large-scale projects is what usage
Only about half of all private sellers of residential properties engage the help of a
professional real estate broker. The other half goes it alone, to save the brokerage fee.
But it is a double-edged sword. Some buyers focus on private sellers, hoping to deal
with less savvy negotiators. Their intention is to purchase property below its actual
value. Experience shows that engaging a broker usually pays off. Why don’t more
sellers rely on professional expertise?
10
mix will deliver the best long-term return on the investment.
Ideally, the real estate broker should answer that question even
before the architect puts pen to paper. If the usage concept is
valid the broker handles the further steps, such as defining target
groups, product development, pricing, and sales.
11
«Here’s why you need a SVIT
facility manager.»
Sustainable value creation over the entire lifecycle
The Chamber of Swiss Real Estate FM has made a decisive
Chamber of Swiss Real Estate FM in brief:
contribution over the past few years towards establishing facility
> Membership is a quality seal indicative of the ability to
management as an independent task within strategic real estate
­sustainably manage a property over its entire lifecycle.
management. The profession and the range of tasks performed
> Serves as a platform for the cooperation all of the parties
by facility managers, as well as the related quality standards are
now well-established in the industry.
involved in the value-creation process for a property.
> Advocates comprehensive education and constant
­professional training.
Facility management combines all of the parties involved in the
value-creation process of a piece of real estate – from planners,
investors and developers to owners and users. In this active
interplay, the facility manager ensures sustainable development
of the potential and value of a property throughout its entire
lifecycle. The focus is on topics such as use and value-retention
costs, the controllability and measurability of service provision
processes, and sustainable, green use of energy and resources.
F
acility management neglected.
demanding task. To succeed, comprehensive education and con­
Source: ”Handelszeitung“, 18/10/2012
stant professional training are indispens­able. SVIT FM Switzer­
With its long-term horizon, facility management is a highly
land is active in both of these areas. Its members are first-rate
Nearly half of all Swiss companies occupy their own property. Very few, however,
have building management as their core business. As a result, facility management (FM)
is neglected and large potential savings are missed. Often FM could help to make core
business operations more efficient and increase cost transparency. Why don’t more
property owners engage a professional facility manager?
12
professionals with up-to-date, interdisciplinary expertise.
13
«Here’s why you need a SVITfreehold condominium
professional.»
Property management and psychology
The era when Switzerland was a land of tenants is coming to an
The Professional Chamber of Freehold Condominiums and its
end. Ownership, and in particular condominium ownership, is
members in brief:
increasingly widespread. This trend will continue in the coming
> Membership attests to special qualifications related to
years. Condominium ownership is different from owning a single-
­freehold condominiums.
family home, as owners within the same property are depend­
> This is a challenging responsibility with two areas of focus:
ant on one another. That makes managing condominiums very
technical and economical property management on the
challenging.
one hand and the ability to lead a processes involving group
dynamics with condominium owners on the other.
The Professional Chamber of Freehold Condominiums of the
Swiss Real Estate Association strengthens the reputation of
> The increasing importance of condominium ownership will
continue to raise the status of the profession.
condominium managers, making the job more attractive. The
chamber helps managers to gain training to prepare themselves
for the challenges of their professional day to day duties, while
at the same time focussing on specific issues, such as those on
the legal level.
Condominium managers have comprehensive, specialised
Tree of contention.
­knowledge about operational, value-maintenance, and prop­
Source: ”Saldo“, 27/4/2011
erty renovation issues. They are also capable of understanding
­processes involving group dynamics and offering solutions in
crisis situations.
14
A retired couple has invested a large sum of money for a condominium with a view.
But a tree has been obscuring the view. Recently the tree was cut down but people
want to plant a new one. The couple fights the plans at the owners meeting, it’s 50:50
but they lose the majority vote. The dispute lands in the courts and ends up costing
everybody involved a tidy sum. Why didn’t the condominium owners engage a solutionoriented professional?
15
«Here’s why we need the SVIT
Swiss Real Estate School.»
Strong advocacy for education and professional training
Solid educational and professional training programmes that are
Together with the other co-sponsors, SVIT also assists with the
continuously updated are important for the future of the real
Organisation for Fundamental Business Education in Real E
­ state
estate industry. This requires experts and specialists at every
Trusts (OKGT). The organisation accompanies e
­ ducational institu­
level and in every field able to uphold the requirement for quality
tions and students throughout the entire period of business
services, which is why SVIT is simultaneously active on a number
training with a comprehensive offering of training and services.
of different levels in the education and professional training field.
The Swiss Real Estate School is a fully-owned subsidiary of SVIT.
SVIT Swiss Real Estate School in brief:
It offers SVIT members a variety of education programmes and
> The Swiss Real Estate School offers members and the
courses. The cornerstone of the school is a range of respected
industry numerous accredited educational programmes
qualification programmes for property management, property
and courses.
surveying, real estate marketing, real estate development, and
> In cooperation with the HWZ, the school offers a professional
real estate trusts. In cooperation with the HWZ University of
Master of Advanced Studies MAS in Real Estate Management
Applied Sciences in Business Administration Zurich, the school
(MREM).
offers the professional Master of Advanced Studies MAS in Real
> The Swiss Federal Examination Commission for the Real
Estate Management (MREM). One measure of the quality of
­Estate Industry (SFPKIW) ensures professional examinations
the Swiss Real Estate School is that its graduates consistently
in the service of the market.
score better on state examinations than exam takers from other
backgrounds.
> The Organisation for Fundamental Business Education in Real
Estate Trusts (OKGT) ensures that education of students in the
The key to success.
Source: ”Bilanz“, 8/2/2013
Swiss real estate sector functions smoothly.
Another education-related activity of SVIT is its co-sponsorship
of the Swiss Federal Examination Commission for the Real Estate
Industry (SFPKIW). The commission is responsible on a national
level for overall coordination of tests for a range of state certifi­
cates and degrees in the field of real estate.
16
The real estate industry is facing an unprecedented lack of specialists – from highly
qualified real estate developers to energy specialists and facility managers. And the
demands on the workforce have changed. Today, the demand is for service-oriented
specialists who can take in the big picture. Apart from the necessary experience,
specialists must have the ability to bring together current knowledge from a number
of different fields. But who trains the professionals for the industry?
17
«Here’s why you need SVIT
Publications.»
Direction in a dynamic environment
Up-to-date expertise is a key prerequisite for commercial suc­
estate law. The authors are selected exclusively from certified
cess. SVIT takes responsibility for transferring this knowledge
professionals in their fields with years of experience in the sector
to its members. Through SVIT Verlag AG, the SVIT publishing
and on their respective topics.
house, SVIT publishes its own magazine, ”Immobilia“, to keep its
members abreast of important developments. The publication
SVIT Publications in brief:
”MietRecht Aktuell“ focusses on legal topics with implications
> Industry news and information for everyone on key issues.
for day-to-day real estate business. These two publications are
> Two periodicals: association magazine ”Immobilia“ and
augmented by the publisher’s own series of trade books.
”MietRecht Aktuell“.
> A book series with trade books offering significant benefits
”Immobilia“ is published monthly and keeps readers informed
for the real estate business.
about current issues facing the industry, special topics, educa­
tion and training, and association activities. A comprehensive
service section offers an important and indispensable informa­
tion source for real estate professionals.
”MietRecht Aktuell“ is a quarterly publication offering in-depth
owners. Well known attorneys sit on the editorial board, which
U
p-to-date knowledge.
ensures that the content of the magazine has a strong practical
Source: ”Neue Zürcher Zeitung“, 17/2/2012
look at tenant-law issues for real estate specialists and property
focus. And the writing is clear and easily understood.
In its trade books series, SVIT Publications produces books that
examine topics in depth. The series includes books on topics
such as freehold condominiums, property management, broker­
age law, real estate marketing, and practical aspects of real
18
The information needs of the real estate industry are growing rapidly. Industry players
need in-depth and up-to-date knowledge on a range of issues, such as marketing, urban
development, construction and planning, management, policy, and the economy.
A university or professional specialist somewhere has the knowledge: But who will
make it available in form that is useful to the industry?
19
«Here’s why you need
the SVIT Forum and the
SVIT Campus.»
Inspiration and networking in an exclusive atmosphere
The association organises two key industry events every year
The SVIT Real Estate Forum and the SVIT Real Estate Campus
through the SVIT Real Estate Forum and the SVIT Real Estate
in brief:
Campus. The events offer members, their colleagues and
> Platforms for networking and exchange of ideas away from
­employees the opportunity to exchange ideas, discuss new
­developments, and gain inspiration beyond the daily routine.
the daily work routine.
> Inspiration from high-quality speakers.
> Dissemination of valuable information on current issues
The SVIT Real Estate Forum takes place in Pontresina and is
­important to the real estate industry.
among the five most important business events of the year in
Switzerland. Participants enjoy a mix of high-quality speakers
and fascinating topics, as well as the opportunity to develop
their network in a unique atmosphere. The target groups of the
SVIT Forum are decision makers in the Swiss real estate industry
and related fields, along with selected guest sponsors.
The SVIT Real Estate Campus is held every autumn in Pontresina
and caters to leaders and employees working for corporate
D
eveloping networks.
members of SVIT. The campus offers participants an in-depth
Source: ”Neue Luzerner Zeitung“, 20/8/2011
making new contacts.
focus on selected topics in a relaxed atmosphere conducive to
Big corporations maintain contact with employees departing the company by offering
them mutually beneficial networking opportunities. The former employees often return
to their employers and individual employees enjoy a sort of alumni network where one
can forge contacts vital to the next career step or contract. But where can Swiss real
estate professionals develop their network?
20
21
«Here’s why you need the
SVIT Arbitration and
Disciplinary Committees.»
Legal platforms for a healthy industry
In the real estate industry large sums of money are often at
The Arbitration Committee and the Disciplinary Committee
stake, which is why disputes, as in other industries, are part of
in brief:
doing business. SVIT believes that conflicts should be resolved
> The Arbitration Committee is concerned with disputes arising
in a way that minimises the costs and efforts for everybody.
in the course of routine business activities. The Committee
resolves disputes quickly and efficiently and offers a number
To keep the industry running smoothly, the association has
­established the Arbitration Committee for the Swiss real estate
industry. Most real estate disputes – from office rental to com­
plex sale and lease-back transactions or facility management
contracts – can be settled by arbitration. Such cases can be
of advantages over government courts.
> The Disciplinary Committee punishes violations of the SVIT
rules of conduct, thus ensuring the quality of our members.
> Both committees are essential components of a self-regulat­
ing real estate industry with a sound reputation.
submitted to an arbitration body capable of making a binding
and, with very few exceptions, final decision. This venue offers
the parties to the dispute the option of settling legal differences
quickly and efficiently with the support of expert arbitrators.
­Owing to the absolute discretion of the arbitration proceedings,
they would be in a cumbersome legal proceeding in a govern­
C
oncert venue drama.
ment court.
Source: ”Berner Zeitung“, 24/4/2012
The second legal platform – the Disciplinary Committee – is con­
A concert organiser has rented an old mill and is successfully organising events there.
cerned with violations of the SVIT Switzerland rules of conduct.
Now a dispute has arisen with the family that owns the property and they want to
With its internal activities within the association, the Committee
terminate the lease. The legal situation is extremely complex. The concert organiser is
ensures that real estate industry lives up to its ethical obligations
determined not to give in and plans to fight the eviction in the courts. The legal battle
and ensures continued confidence in the services of real estate
is expected to last three to five years. Why don’t they submit the case to the SVIT
companies.
Arbitration Committee?
the business relationships of the parties are less affected than
22
23
«Here’s why we need the
Swiss Real Estate Institute.»
Research and instruction with a high degree of practical benefit
SVIT, together with the HWZ University of Applied Sciences in
The Swiss Real Estate Institute in brief:
Business Administration Zurich and the KV Switzerland business
> SVIT is a co-founder, together with the HWZ University
school are co-founders of the Swiss Real Estate Institute
of Applied Sciences in Business Administration Zurich and the
SwissREI. The institute represents the view of the Swiss real
KV Switzerland business school.
­estate industry in defining economically relevant themes and
topics that must be addressed in future. It then develops
­research, instruction and service tasks around these focus
themes. The Swiss Real Estate Institute was established as a
> Research and teaching in fields relevant to the Swiss real
estate industry.
> Strong grounding in practical aspects of the profession, such
as tools, target values, and benchmarks.
foundation as an offshoot of the HWZ.
Through the activities of the Swiss Real Estate Institute, SVIT
fulfils the economic and social obligations of the real estate
industry. The traditional roles and responsibilities of the various
participants in the real estate industry have changed dramatically over the past few years, and the change continues. The
B
etter data available.
industry has to question existing ideas, recognise new require­
ments and integrate them into the profession.
Source: ”Neue Zürcher Zeitung“, 31/10/2012
The Swiss Real Estate Institute is concerned with creating tan-
”Big data“ is a huge topic in this age of web logs and ultra-modern industrial sensors.
The real estate industry has the opposite problem – data is sparse and fragmentary.
But it would be wrong to believe that more data alone would result in better investment decisions. Knowledge of the field is needed to improve the interpretation and
integration of existing sources. But who can generate this know-how for the Swiss
real estate industry?
24
gible customer benefits. It does this with the help of professional
guidelines and standards, the provision of tools, and developing
target values and benchmarks. Its activities also contribute to
the integration and the exchange of technical information within
the real estate industry.
25
Swiss Real Estate Association SVIT («SVIT Switzerland»)
15 member organisations – ten regions, five professional chambers
> SVIT Aargau
> SVIT Basel City and Canton
> SVIT Bern
> SVIT Graubünden
> SVIT East Switzerland
> SVIT Romandie
> SVIT Solothurn
> SVIT Ticino
> SVIT Central Switzerland
> SVIT Zurich
> Swiss Chamber of Surveyors SEK
> Chamber of Independent Consultants for Building Owners KUB
> Swiss Chamber of Real Estate Brokers SMK
> SVIT FM Switzerland
> Chamber of Freehold Condominiums
SVIT Swiss Real Estate School Ltd
SVIT Publications
SVIT Real Estate Forum
SVIT Arbitration and Disciplinary Committees
Swiss Real Estate Institute
Swiss Federal Examination Commission for the Real Estate Industry
Organisation for Fundamental Business Education in Real Estate Trusts
SVIT – the seal of quality for real estate professionals in Switzerland
Swiss Real Estate Association SVIT
(«SVIT Switzerland»)
Puls 5, Giessereistrasse 18
CH-8005 Zurich
Phone
+41 44 434 78 88
Fax
+41 44 434 78 99
[email protected]
Websitewww.svit.ch