What is 'Eigenmietwert' in Switzerland?

Eigenmietwert is a unique Swiss tax where homeowners must add ~60-70% of the 'market rent' of their home to their taxable income. This effectively increases your income tax bill just for living in your own property.

Is it better to buy or rent in Zurich in 2025?

With prices averaging 16,000 CHF/sqm and rental yields below 3%, renting is often financially superior. The combination of high entry costs (20% down payment) and the Eigenmietwert tax makes buying inefficient compared to investing in the stock market (where capital gains are tax-free).

What is the down payment requirement in Switzerland?

You typically need at least 20% down payment (Equity). At least 10% must be 'hard cash' (not from your pension fund). For a standard 1.6M CHF apartment, that's 320k CHF upfront.

🇨🇭 Zurich Edition

Zurich 2025: Why "Smart Money" Rents

⚠️ Warning: Homeowners in Zurich pay income tax on their own house. With prices at 16k CHF/sqm, see why 60% of Swiss residents choose to rent.

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