{"id":340098,"date":"2025-10-20T10:55:05","date_gmt":"2025-10-20T08:55:05","guid":{"rendered":"https:\/\/dev.desormiere-vanhalst.ch\/abolition-of-imputed-rental-value-its-effects-on-homeowners\/"},"modified":"2026-06-12T10:28:46","modified_gmt":"2026-06-12T08:28:46","slug":"abolition-of-imputed-rental-value-its-effects-on-homeowners","status":"publish","type":"post","link":"https:\/\/dev.desormiere-vanhalst.ch\/en\/abolition-of-imputed-rental-value-its-effects-on-homeowners\/","title":{"rendered":"Abolition of Imputed Rental Value: Its Effects on Homeowners"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_empty_space height=&#8221;26px&#8221;]<div\n    class=\"qodef-section-title-holder  qodef-st-standard qodef-st-title-left qodef-st-normal-space \" >\n    <div class=\"qodef-st-inner\">\n        <h3 class=\"qodef-st-title\" >Un tournant fiscal pour les propri\u00e9taires suisses<\/h3>    <\/div>\n<\/div>[vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">On September 28, 2025, Swiss citizens voted in favor of the abolition of <strong>imputed rental value,<\/strong> a tax calculated on a fictitious income that homeowners could allegedly earn by renting out their own home. This reform, which will take effect <strong>from 2028<\/strong>, will reshape the landscape of real estate taxation. <\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;13px&#8221;][vc_row_inner css=&#8221;.vc_custom_1677626695467{padding-bottom: 50px !important;background-color: #f6f3f3 !important;border-radius: 5px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;340099&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;]<div\n    class=\"qodef-section-title-holder  qodef-st-standard qodef-st-title-left qodef-st-normal-space \" >\n    <div class=\"qodef-st-inner\">\n        <h3 class=\"qodef-st-title\" >R\u00e9sum\u00e9 de l\u2019article:<\/h3>    <\/div>\n<\/div>[vc_column_text css=&#8221;&#8221;]The <strong>effects<\/strong> of the abolition of imputed rental value on homeowners <strong>vary depending on their situation<\/strong>.<\/p>\n<p><strong>Young households and first-time buyers<\/strong> will benefit from time-limited tax support.<\/p>\n<p><strong>Homeowners who are already heavily indebted<\/strong> will lose the benefit of full interest deduction but will benefit from the abolition of the tax on imputed rental value.<\/p>\n<p><strong>Homeowners with little or no debt<\/strong> will not be affected by the end of the deduction but will no longer be able to claim tax deductions for their maintenance investments.<\/p>\n<p><strong>Prices for new properties<\/strong> could increase, while properties in need of renovation will see their value decrease.<\/p>\n<p>There are approximately 2 years left to <strong>optimize your situation<\/strong>: amortizing, renovating, selling&#8230; these are all options to be studied on a case-by-case basis.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">In practical terms, until the reform is implemented, homeowners will continue to declare imputed rental value\u2014but they must prepare for the upcoming shift. Here is what you need to know. <\/p>\n<h3 style=\"font-weight: 400;\"><strong>Tax Impact: What Disappears, What Remains<\/strong><\/h3>\n<ul style=\"font-weight: 400;\">\n<li>The abolition of imputed rental value leads to the disappearance of taxable &#8220;fictitious income&#8221; for owner-occupied housing.<\/li>\n<li>In return, deductions for mortgage interest and maintenance costs will become limited or even abolished in certain cases (see below). <\/li>\n<li>To compensate for the tax loss to the cantons, they may introduce a tax on secondary residences.<\/li>\n<\/ul>\n<h5 style=\"font-weight: 400;\"><strong>What About Mortgage Interest?<\/strong><\/h5>\n<p style=\"font-weight: 400;\">After the reform, the rules will change as follows:<\/p>\n<ul style=\"font-weight: 400;\">\n<li><strong>Additional deduction for first-time buyers<\/strong>: young households purchasing their first primary residence will benefit from an additional degressive deduction for a limited period (ten years). The amount is set at <strong>CHF 10,000 per year for a couple<\/strong> (CHF 5,000 for a single person) in the first year, then decreases annually until it disappears after ten years. <\/li>\n<li><strong>Ordinary mortgage interest<\/strong>: outside of this transitional mechanism, mortgage interest will no longer be deductible for primary residences. For rented or leased properties, a proportional deduction will remain possible. <\/li>\n<li><strong>End of federal tax deductions for energy-efficient renovations<\/strong>: these deductions are disappearing, but some cantons may maintain or reintroduce targeted relief until 2050.<\/li>\n<\/ul>\n<h3 style=\"font-weight: 400;\"><strong>Who Wins, Who Loses? The New Balance <\/strong><\/h3>\n<h5 style=\"font-weight: 400;\"><strong>&#8211; Advantages for homeowners with low debt or those who have already amortized<\/strong><\/h5>\n<p>Those who own their home without a mortgage\u2014or with very low debt\u2014will be the big winners of the reform. They will no longer be taxed on a fictitious rental value that they do not receive. <\/p>\n<p>Many retirees fall into this category: their mortgage is largely amortized, and they can now expect real tax relief.<\/p>\n<h5 style=\"font-weight: 400;\"><strong>&#8211; Disadvantages for heavily indebted homeowners or owners of properties in need of renovation<\/strong><\/h5>\n<p>Homeowners who have taken out high mortgages or undertaken renovation work risk losing valuable tax deductions. Indeed, a significant part of current tax optimization relies on mortgage interest and maintenance costs, which will no longer be deductible. <\/p>\n<p>Thus, a recent buyer of a property requiring investment could find themselves in a less favorable tax situation in the future than they are today.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Amortizing Your Mortgage: Opportunity or Trap?<\/strong><\/h3>\n<p style=\"font-weight: 400;\">The abolition of imputed rental value disrupts the logic of mortgage amortization. Here is how: <\/p>\n<h5 style=\"font-weight: 400;\"><strong>&#8211; Why amortizing more becomes more interesting<\/strong><\/h5>\n<p style=\"font-weight: 400;\">Currently, many homeowners use mortgage interest as tax leverage: by taking on debt, they can deduct the interest from the debt to reduce their taxes. Once the imputed rental value is abolished, this deduction will disappear or be limited, reducing the tax appeal of debt. <\/p>\n<p style=\"font-weight: 400;\">In this context, amortizing the debt more quickly (i.e., paying off part of the capital) becomes more attractive: less debt means less interest to pay\u2014and after the reform, more direct tax savings.<\/p>\n<h5 style=\"font-weight: 400;\"><strong>&#8211; But Beware: Do Not Over-Amortize<\/strong><\/h5>\n<p style=\"font-weight: 400;\">However, experts warn against an overly hasty reaction:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>You must maintain a <strong>liquidity buffer<\/strong> for unforeseen events and renovation work.<\/li>\n<li>If you amortize too quickly, you reduce your ability to take advantage of potential flexibility or new investments.<\/li>\n<li>After amortization, the money will remain locked in the real estate property and cannot be used after retirement.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">In summary, amortizing more is a potentially winning strategy\u2014but it must be carefully calibrated according to personal circumstances and future financial needs.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Real Estate Price Trends: Differentiated Valuation<\/strong><\/h3>\n<p style=\"font-weight: 400;\">An often less emphasized effect of the reform is its impact on real estate supply and demand, and therefore on prices. A differentiation in prices is to be expected: <\/p>\n<ul style=\"font-weight: 400;\">\n<li><strong>Recent, well-maintained buildings<\/strong> will become more attractive<\/li>\n<li><strong>Older buildings<\/strong> requiring renovation will lose value.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;13px&#8221;][vc_empty_space height=&#8221;13px&#8221;][vc_row_inner css=&#8221;.vc_custom_1677626695467{padding-bottom: 50px !important;background-color: #f6f3f3 !important;border-radius: 5px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;339399&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;]<div\n    class=\"qodef-section-title-holder  qodef-st-standard qodef-st-title-left qodef-st-normal-space \" >\n    <div class=\"qodef-st-inner\">\n        <h3 class=\"qodef-st-title\" >Notre conseil<\/h3>    <\/div>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Why Consider Selling an Older Property Now?<\/strong><\/h3>\n<p style=\"font-weight: 400;\">These aging properties often require costly work or adaptations to modern energy requirements. For some owners, selling an older property can therefore be a wise strategic decision: <\/p>\n<ol style=\"font-weight: 400;\">\n<li><strong>Renovate now to sell at the best price: <\/strong>before 2028, renovations that are still deductible can be carried out while still taking advantage of tax deductions.<\/li>\n<li><strong>Sell now as-is so that buyers can still renovate: <\/strong>you benefit from current high market prices, avoid the costs and constraints associated with the work, and your buyers will be able to renovate according to their tastes and legal requirements while benefiting from tax deductions.<\/li>\n<li><strong>Reposition yourself toward more modern properties<\/strong>: leaving your old home to acquire a new or renovated one will allow you to benefit from better energy efficiency, lower maintenance costs, and more favorable taxation after the reform.<\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;26px&#8221;][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6><\/h6>\n<p><a href=\"https:\/\/dev.desormiere-vanhalst.ch\/en\/dv-newsletter-subscription-request\/\" target=\"_blank\" rel=\"noopener\">Inscrivez-vous pour rester inform\u00e9.<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Abolition of Imputed Rental Value: Its Effects on Homeowners. Find out who wins and who loses, whether to amortize your mortgage, who will still be able to deduct mortgage interest, and the expected impact on real estate prices. All the information in this article from the &#8220;News&#8221; blog of the D\u00e9sormi\u00e8re &#038; Vanhalst agency  <\/p>\n","protected":false},"author":1,"featured_media":340100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[470,457,473,463,464,448,469,466],"tags":[],"class_list":["post-340098","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apartment","category-funding","category-home","category-legislation","category-professional","category-purchase","category-sell","category-taxation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Abolition of Imputed Rental Value: Its Effects on Homeowners<\/title>\n<meta name=\"description\" content=\"Abolition of Imputed Rental Value: Its Effects on Homeowners. 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