who will win or lose with the vote

Karin Keller-Sutter expressed himself in front of the. For example, press on Friday about the abolition of rental value.Image: Keystone

Ghost tax or equality between tenants and owners? Consequently, Next September, we will vote on the abolition of the rental value. Similarly, Here are the answers to the main questions about this.

Michael Graber, Stefan Bühler / CH Media

In her capacity as Minister of Finance, who will win lose vote the president of the Confederation, Karin Keller-Sutter closely monitors the federal funds. However. In addition, despite losses estimated at around 400 million francs for the State, the Federal Council and the Parliament recommend voting yes to the abolition of the rental value. Similarly, The federal advisor said it:

The abolition of the rental value will reduce the owners. Therefore, but in return, Tax deductions for mortgage interests will disappear.

But “the owners will not be able to have everything. Nevertheless, The incentive to go into debt will be reduced. Therefore, which will be able to strengthen the stability of the financial system, and therefore serve the interest of the State, “explained the president of the Confederation.

For the who will win lose vote Federal Council, this change of law would be good auspicious. Similarly, But in detail, who will benefit from the reform, and who would prefer to maintain the status quo? For example, Overview of the main questions around the object submitted to the popular vote in September.

What are we going to vote on September 28, 2025? – Who will win lose vote

On the possibility for the cantons to introduce a tax residences. Similarly, For this, a modification of the constitution is necessary.

But I thought it was rental value?

This is the case. However, The abolition of the rental value is linked to the secondary residence tax project. For example, If the people reject this new tax, the old one is the rental who will win lose vote value will not be deleted. Furthermore, In fact. However, we therefore voted on the abolition of the rental value, even if it is not mentioned on the ballot.

What is it exactly?

Any owner of a house. For example, an apartment must indicate in his tax declaration fictitious rent, and declare it as taxable income. The rental value is lower than the rent of the market. and its real impact varies from one canton to another.

And what is it for rental value?

Originally, the rental value was established to strengthen the State during the global economic crisis. It was then registered in ordinary law. Today, it is used to place owners and tenants on an equal footing. who will win lose vote As the owners do not pay rent, they must declare an income called “in kind”. In return. They can deduce from their taxable income the interests of their debts and the maintenance costs of their real estate.

And why should we change this now?

Many owners do not include rental value. The current system is also pushing for bad choices. On the tax level, it is not advantageous to reimburse your mortgage, since that makes it disappear in interest deductions. This is one of the reasons why households in Switzerland remain so in debt. For older owners, the rental value also becomes a burden, because when real estate prices climb, it also increases. With a small retirement, some quickly find themselves in difficulty

Why did previous attempts failed?

Because neither the parliament nor the people wanted to go so far. The current discussion occupied Parliament for more than seven years.

What is different this time?

So far, The right wanted to remove the rental value but keep the deductions. This would have created a clear imbalance in favor of the owners. The current project goes further, it removes rental value and most deductions at the same time.

What would the abolition of rental value cost?

With mortgage rates of 1.5 %, the Confederation estimates that Tax losses would reach 1.8 billion francs per year. Most of them would touch the cantons and the municipalities, but the who will win lose vote Confederation would also lose 400 million. Everything will depend on the evolution of rates. The lower they stay, the more public funds will empty. But if they exceeded 3%, the state would collect more than now. For the moment, such an increase is not looming.

Who will take advantage of the end of the rental value?

After the change, Most owners will pay less tax. As long as the rates remain low, many win. Those who have already reimbursed all or part of their mortgage will clearly benefit from the reform. On the other hand. those who will live in a house to renovate and will keep a heavy debt will risk paying more, since all the deductions will disappear.

And who will who will win lose vote lose the rental value from the end?

Public funds. The mountain cantons, too, will lose a lot, because the rental value will also disappear for second homes. The tax planned on these dwellings is supposed to compensate for the future shortfall. but no one will be able to be enough.

What about the building?

The Swiss Union of Arts and Crafts calls for voting yes. But part of the building branch fears losing orders. because Without tax deductions, some owners will renovate their renovations Or will make them black. In the short term. however, there will undoubtedly be a construction boom, and many owners will hurry to launch work before the entry into force of the new system.

What about the tenants with the end of the rental value?

They will see almost no difference. The rental value will only apply to property occupied by their owners. The Parliament will, however, provide for a deduction for first-time acquires. This will ease the bill for those who buy a house or an apartment for the first time. It will therefore be mainly the future owners who will benefit from it. ASLOCA will oppose the project.

Who supports the text?

The bourgeois parties, from the center to the UDC, as well as the Swiss Union of landowners. The latter first wanted to keep part of the deductions, but she finally opted unanimously for the yesterday’s instructions.

And who who will win lose vote are the opponents?

Above all the Socialist Party. The latter believes this unjust change because he will penalize the tenants. Even within the party, opinions have evolved. During the parliamentary debate, Jacqueline Badran, for example, defended the current model, which she considered an acceptable compromise.

What are the chances of abolishing the rental value this time?

The ballot promises to be tight. If the association of owners mobilizes massively, it will be able to prevail. Its members will already vote more often than tenants. But it will also be necessary to overcome the obstacle of the majority of cantons. If the mountain cantons. the French -speaking cantons favorable to the tenants say no, the vote will be very tight.

Translated from German by Joel who will win lose vote Espi

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