Tassi in Svizzera in calo, si riaccende il sogno di acquistare casa

Post on: 01.06.2025

In Switzerland, the aspiration to own a home is not è never faded. But now, thanks to the fall in rates in Switzerland, that dream seems to be accessible again to a more ù large population. To say it è the study Wohntraum 2025 conducted by Helvetia Insurance and Moneypark, which clearly captures the desires, fears and expectations of the Swiss in terms of housing.

Più interest in Purchase thanks to favourable interest rates

After years of stagnation, the Swiss real estate market seems to be experiencing a new phase of enthusiasm. The recent key interest rate cuts by the SNB have improved the conditions for the obtaining a mortgage. The result is that 20% of respondents plan to buy a house in the coming years, a share that is growing compared to the last four years. Among the tenants, the interest è even moreù marked: as many as 28% imagine becoming owners in the short or medium term.

In particular, the ageà between 31 and 60 years of age is confirmed as the most sensitive to the call of ownership: here the dream becomes a concrete project. Overall, 48% of Swiss people express a clear preference for home ownership; compared to rent.

Taxes in Switzerland | Prices are rising, but demand does not stop

The push for purchase collides, however, with a reality; well known: the high prices. 72% of respondents expect a further increase in the value of real estate in the coming years. A forecast that, instead of discouraging, further fuels the race for ownership. , in the logic of " buy now, before it's too late".

The price purchase remains the first determining factor in the choice of the (61%), but also count the presence of outdoor spaces, the brightness; and a good distribution of interior spaces. Declining attention to ecological criteria, which had also gained importance in past years.

Less investment, more aesthetics

A curiosity The study concerns the behavior of the Owners. Despite the interest in purchase is growing, the investment intentions on existing properties show a slight decline. Only 50% say they want to carry out enhancement or renovation interventions in 2025, compared to 53% in 2025 previous year.

A decline è especially the interest in energy measures, such as installation of solar panels, which slide to the eighth place among the priorities. On the contrary, aesthetic improvement works, with gardens, kitchens and bathrooms at the top of the wish list.

Taxis in Switzerland | Tax reform in sight: possible knock-on effects

Another element that could affect the real estate market è the possible abolition of the imputed rental value tax, which is the subject of political discussion and perhaps close to a popular vote. According to the study, its deletion could generate a Restructuring wave, thanks to increased liquidity; available to owners.

In addition to this, about a third of owners consider the idea of partially or totally repaying your mortgage. If this trend materializes, the impact on the mortgage market could be significant: an estimated repayment volume of between 50 and 150 billion francs over the next five years.

A living dream, but not for everyone

Despite the climate of renewed optimism, The home owned by the It still remains a difficult goal to achieve for many. The gap between those who can afford the purchase and those who remain excluded remains broad. In short, the real estate dream revived thanks to favorable rates, but continues to be selective.

The study è was conducted in February 2025 on a representative sample of 1000 people residing in German-speaking and French-speaking Switzerland, equally divided between owners (48%) and tenants (52%). The results confirm that the ideal home è still a symbol of stability; It happened – and with current rates, perhaps even a little moreù Vicina.