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Advice on taxes and financing
Plan transactions wisely
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
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.
What happens to the existing mortgage when I sell?
When a property is sold, the existing mortgage is usually repaid with the proceeds of the sale. If the mortgage still has a fixed term, a prepayment penalty may be incurred under certain circumstances.
Can property gains tax be deferred?
In certain cases, tax deferral is possible, for example if the sale proceeds are reinvested in an owner-occupied replacement property. In this case, the tax is not due immediately, but is transferred to the subsequent sale of the new property.
What is property gains tax?
Property gains tax is levied on the profit made on the sale of a property. It is calculated as the difference between the original purchase price and the sale price, less certain investments or value-enhancing renovations. The amount of the tax depends on the canton and the length of ownership.
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