Holiday homes

UBS financial advice for vacation homes

Do you dream of owning a comfy summer house with a lake view or an apartment up in the mountains?
To help make your dream of a second home come true, your UBS financial advisor is there to give you competent, reliable advice.

The following guidelines are generally applicable for the financing of holiday homes:

UBS generally finances 60% of the purchase price. Amortization amounts to 2% each year.

Spending on your main residence and your holiday home together should not represent more than one third of your gross income.

For legal reasons, holiday homes cannot be financed using occupational pension funds or tax-efficient Pillar 3a funds.

The imputed rental value of the holiday home is taxable in the canton where it is located – which is generally not the same as your place of residence; this in turn gives rise to an intercantonal tax reconciliation.

Products and services in these webpages may not be available for residents of certain nations. Please consult the sales restrictions relating to the service in question for further information.