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Advice on taxes and financing
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Optimize taxes and financing for your property now
Our many years of experience have made Ginesta the ultimate specialist in value-optimizing tax advice and real estate financing. With our in-depth expertise and comprehensive service approach, we offer our clients first-class support in all tax matters relating to real estate. When it comes to financing, you also benefit from our connections to the largest banks and insurance companies in order to offer you tailor-made solutions.
Tax aspects are a central component of every real estate transaction and can have a significant impact on success. The financing of a property has become more demanding and often presents laypersons with complex challenges. Thanks to our expertise, we are ideally equipped to provide you with competent support. From the often underestimated pitfalls of property gains tax declarations after the sale to the selection and integration of suitable credit brokers, we offer comprehensive advice. We guide you through every step of the process and ensure that tax and financial aspects are seamlessly integrated.
Tax tips
Tax tips
Download PDFOur answers to the most frequently asked questions about taxes and financing
When is property gains tax due?
Real estate gains tax is only due upon the sale of a property, provided that a gain is realized. The amount of the tax depends, among other things, on the gain realized, the holding period, and cantonal regulations.
As a homeowner, what expenses can I deduct from my taxes?
Mortgage interest, maintenance work intended to preserve property value, and renovations intended to preserve property value may be claimed as tax deductions. Energy-efficiency renovations are also frequently eligible for tax benefits. The deductions available depend on cantonal regulations.
As a property owner, do I have to pay property tax every year?
That depends on the specific canton and, in some cases, on the municipality. While some cantons levy a property tax, others do not have such a tax. Regardless, however, property owners are generally required to include the imputed rental value (through 2028) and the assessed value of their property in their tax return.
Why is early advice on taxes and financing useful?
Professional advice makes it possible to examine tax implications at an early stage and prepare financial decisions in the best possible way. This makes it easier to plan for possible tax consequences, mortgage issues and investment decisions.
What additional costs are involved in the sale?
In addition to possible taxes, other costs may arise when selling, such as for the notary’s office, land register, marketing or the early termination of a mortgage. Early planning helps to realistically estimate these costs.
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