I’m planning on taking a loan in a EU member state for a flat for about 150k CHF.
Does this have any benefits regarding taxes? Is it lowering ones taxes because of the monthly rates paid back to the bank?
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I unfortunately do not have an answer, but a question: does the (EU?) bank grant you a personal loan or mortgage even with your Swiss tax residency?
Do you have to pledge any assets or collateral in that country?
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They’ll do that if you have enough assets (preferably with them) but might charge higher rates and likely insist on higher downpayments.
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Loans reduce taxable net worth and the interest (not the repayment) can be deducted from taxable income.
See your canton’s tax guide on how to do it.
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You can deduce interests payments but on the other hand you have to declare the rental value of the flat you ll be buying. The tax office will also do a distribution of your assets / deductions pro rata their localisation. In some cases in particular if you have a big mortgage in CH this can have a huge impact on your taxes in CH
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the bank is in Poland and because I’m currently not working in Switzerland I’ve got temporary employment in Poland to get the loan and convince the bank. Afterwards will return to Switzerland and quit this employment
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Won’t the loan contract establish that your residence needs to remain within the country, else they may change the terms?
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will see soon and write here 
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