Interesting comment. I do think that construction value doesn’t really vary a lot based on location within CH but of course land value does.
I also always wondered why 1% on full value is assumed to be maintenance. But since most banks use this, they must have a logic behind it.
I believe the construction depreciates very fast. So maybe that’s the reason. Let’s say value is X + Y
X being land
Y being construction (let’s say 20%)
if Y depreciates within 20 years, that’s about 1% value of (X+ Y) every year.
I am oversimplifying because 20% is random. It varies a lot. And also 20 years to depreciate is also not always the case. Depends on apartments , weather, usage etc
Maybe someone who actually owns RE can comment how much is real maintenance cost
could you elaborate on that?
yes, it might be off topic, but my question in detail is:
If he took out his 2nd pillar, how much does he have to pay in again beofre he can write if off from taxes?
Also, if he pays more than the minimum would this cover the “payback” over a certain span and he can then regular buy in that can be written off from taxes?
Regular contributions (from salary) are always tax deductible. For any buy in to be tax deductible, you need to pay back what was withdrawn first.
100% payed back? Even if some parts have been “Überobligatorium”?
If you pay some pback, you get back the taxes you payed before?
Also how does this work if you make "higher voluntary contribution” from your salary that some offer?
Yes, you get tax paid back.
Monthly contributions are always tax deductible.
2 Likes