Contact Us

Tax advantages of Valais

Valais

Tax advantages
of Valais

No inheritance tax on direct lineage
Very low wealth tax
Very low and degressive property gains tax over time
Avantages fiscaux du Valais

Notary fees

Frais notaire Valais
Legal information

Notary fees

The notary fees in Valais amount to approximately 3 % the purchase price. This amount includes all fees related to registration with the Land Registry, transfers, and the notary's fees.

The constitution of a mortgage deed costs approximately 1,2 % of its amount.

3 %
Purchase fees
1.2 %
Mortgage deed

Taxation of individuals

Taxation

Taxation
individuals

Income and wealth tax is calculated based on the tax rate of the canton and municipality of residence, or if applicable, the location of the property. Tax rates vary from one locality to another.

◆
Tax calculated by canton and the municipality of residence
◆
Coefficients varying according to each Valais locality
◆
Location of the property taken into account
Imposition Valais

Funding

Acquisition

Funding

The capital required to purchase a property generally comprises the following elements:

Financement immobilier Crans-Montana
1
Shareholders' equity
A minimum of 20%, of which at least 10% must be in liquid assets (savings, 3rd pillar). These funds must not come exclusively from the 2nd pillar.
20 %
2
First mortgage
Up to 65% of the property’s market value. No compulsory amortisation is required as long as the loan-to-value ratio remains below 65%.
65 %
3
Second mortgage
Between 65% and 80% of the property’s value. Must be written off over 15 years or before retirement age.
15 %
4
Financial burden
The total cost (interest + capital repayments + maintenance) must not exceed 33% of gross annual income.
≤ 33 %
Equity (20%)
First mortgage (65%)
Second mortgage (15%)