Hi, i am 28, live in switzerland have good money on the side, lower 6 figures with my wife on the bank, no kids yet

Together we have a salary of 200K CHF (living in swiss and earn swiss francs)

With 21(as a student) i bought a little new builded apartment (2 rooms) lower then 50m2 in austria

The value is maybe for the aprtment now 300K for sure

I have an open mortage of 200K now, the loan is going till 2050 something like this

the apartment is rented now i get 1K, 200€ are costs, 800€ is going into my pocket

i have to pay the bank today 900€, so "i have to give from my own money 100€"

The € credit, has a interest rate of 3.184% something like that

I know i could switch to a CHF mortage and get lower interest rates - would you do it?

My biggest issue is, i am afraid to swap it to a CHF loan - why? --> because, if my wife and I deicde to buy a bigger apartment and don`t rent anymore, then i think a CHF loan in a swiss bank will be "harder" punished for our "kreditwürdigkeit", then to have it in €, at a austrian bank and is self paying off

i had already talks in a bank, so thats why i have this feeling

Also, now the aprtment is a topic which only triggers me and also is only in my responisbility - if i swap to a CHF, maybe my wife would also trouble more about the loan

Would you suggest, to swap it, because it is a no brainer to earn CHF, get a CHF loan with lower interest rate

or would you also avoid all the headache and if it is good how it is, why change the running system?

We are staying at a hotel in Downtown LA near crypto arena - is it a nice area?? and will NOT have a rental car. We plan to rely purely on Metro (E & B lines) and Uber/Lyft. - enough?

Here is our draft itinerary. We want to know if this is realistic without a car, and what we should cut or change to avoid getting completely burnt out by traffic and distances.

The Itinerary:

• Sat, June 20: planned
  • planned ( no input needed)
• Sun, June 21: Santa Monica & Venice (Coastal Day)
  • Late morning: Take Metro E Line from 7th St/Metro Center to Downtown Santa Monica (~50 mins).
  • Santa Monica Pier & Third Street Promenade. Coffee at La La Land Kind Cafe.
  • Rent bikes, ride the beach path to Venice Beach for sunset (Boardwalk, Canals, Muscle Beach).
  • Grab a smoothie/bowl at Erewhon Venice.
  • Optional: Uber to Pop Up Bagels in Brentwood in the morning if time permits.
• Mon, June 22: Sunrise at Griffith & Hollywood
  • 5:00 AM: Uber up to Griffith Observatory for sunrise (~5:45 AM) to catch the skyline and Hollywood Sign. (We know the building is closed, just going for the view/grounds).
  • Head down for breakfast/coffee.
  • Hollywood: Walk of Fame, TCL Chinese Theatre, Dolby Theatre.
  • Lunch at Shake Shack (Hollywood & Gower), then Metro B Line back.
• Tue, June 23: Beverly Hills & West Hollywood (Shopping/Cafes)
  • Uber Day: Rodeo Drive & Beverly Gardens Park.
  • The Grove & Original Farmers Market for lunch.
  • Melrose Ave (Boutiques, Paul Smith Pink Wall). Cafe stops at Cha Cha Matcha, Olive & James, or Community Goods.
  • Dinner at SUSHISAMBA (Sunset Strip / West Hollywood).
• Wed, June 24: Outlets & Downtown LA
  • Morning: Uber to Citadel Outlets (~15 mins from DTLA) for shopping.
  • Afternoon (DTLA): Grand Central Market for lunch, then The Broad museum (already booking free tickets).
  • Sunset: Uber to Figueroa Terrace for a skyline photo.
  • Evening: Dinner at De La Nonna (Arts District).
• Thu, June 25: planned
  • planned (no input need)