{"id":1374,"date":"2026-03-01T13:31:14","date_gmt":"2026-03-01T12:31:14","guid":{"rendered":"https:\/\/richner.info\/valeur-locative-il-est-temps-dagir\/"},"modified":"2026-04-10T09:48:21","modified_gmt":"2026-04-10T07:48:21","slug":"valeur-locative-il-est-temps-dagir","status":"publish","type":"post","link":"http:\/\/richner.info\/fr\/valeur-locative-il-est-temps-dagir\/","title":{"rendered":"Valeur locative : il est temps d’agir !"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb left_padding_desktop=\u00a0\u00bb18%\u00a0\u00bb constrain_group_2=\u00a0\u00bbyes\u00a0\u00bb right_padding_desktop=\u00a0\u00bb18%\u00a0\u00bb left_padding_tablet=\u00a0\u00bb0″ constrain_group_4=\u00a0\u00bbyes\u00a0\u00bb right_padding_tablet=\u00a0\u00bb0″ left_padding_phone=\u00a0\u00bb0″ constrain_group_6=\u00a0\u00bbyes\u00a0\u00bb right_padding_phone=\u00a0\u00bb0″ text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb gradient_type=\u00a0\u00bbdefault\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb flex_gap_desktop=\u00a0\u00bb10px\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\r\n\r\n

Fin 2025, l’abolition de la valeur locative a \u00e9t\u00e9 approuv\u00e9e. Il ne s’agit pas d’une simple modification de la loi, mais d’un changement de syst\u00e8me avec des modifications fondamentales pour les propri\u00e9taires. Si vous voulez \u00e9conomiser des imp\u00f4ts maintenant, vous devriez avoir termin\u00e9 vos r\u00e9novations avant la fin de 2027. Les changements suivants sont essentiels :<\/h3>\r\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\r\n

<\/strong><\/p>\r\n

1.)<\/strong> Durch die Abschaffung des Eigenmietwerts sinkt das steuerbare Einkommen von Eigent\u00fcmern einer Wohnung oder eines Hauses. Wohneigent\u00fcmer und Wohneigent\u00fcmerinnen k\u00f6nnten hier also Steuern sparen.<\/p>\r\n

2.)<\/strong> Unterhaltskosten und Sanierungen k\u00f6nnen weder auf Bundes- noch auf Kantonsebene abgezogen werden. Hier fallen die Steuern deshalb wieder h\u00f6her aus.<\/p>\r\n

3.)<\/strong> Investitionen ins Energiesparen d\u00fcrfen bei der Bundessteuer nicht mehr abgezogen werden. Die Kantone k\u00f6nnen den Abzug f\u00fcr Energiesparen und Umweltschutz noch bis l\u00e4ngstens 2050 weiterhin gew\u00e4hren.<\/p>\r\n

4.)<\/strong> Steuerabz\u00fcge f\u00fcr private Schuldzinsen auf selbstbewohntem Wohneigentum sind nicht mehr m\u00f6glich.<\/p>\r\n

5.)<\/strong> Eine Ausnahme gilt f\u00fcr Ersterwerber einer ausschliesslich selbstbewohnten Liegenschaft: Sie k\u00f6nnten zehn Jahre lang einen beschr\u00e4nkten Schuldzinsabzug geltend machen. Im ersten Jahr betr\u00e4gt der Abzug bei Verheirateten 10\u2018000, bei Alleinstehenden 5\u2018000 Franken. Danach sinkt dieser Betrag j\u00e4hrlich um 10%.<\/p>\r\n

Fazit<\/strong>: \u00c4ltere Menschen, die nach Jahrzehnten in der eigenen Immobilie ihre Hypothek gr\u00f6sstenteils amortisiert haben, werden wohl profitieren und k\u00fcnftig kr\u00e4ftig Steuern sparen k\u00f6nnen. Auf der Gegenseite wird es vor allem f\u00fcr Eigent\u00fcmer von sanierungsbed\u00fcrftigen Immobilien teurer. Denn Renovationen und Ersatzinvestitionen k\u00f6nnen nicht mehr von den Steuern abgezogen werden.<\/p>\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb flex_gap_desktop=\u00a0\u00bb10px\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text]\r\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb flex_gap_desktop=\u00a0\u00bb10px\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][nectar_global_section id=\u00a0\u00bb509″][\/vc_column][\/vc_row]<\/strong><\/p>\r\n","protected":false},"excerpt":{"rendered":"

Fin 2025, l’abolition de la valeur locative a \u00e9t\u00e9 approuv\u00e9e. Il ne s’agit pas d’une simple modification de la loi, mais d’un changement de syst\u00e8me avec des modifications fondamentales pour les propri\u00e9taires. Si vous voulez \u00e9conomiser des imp\u00f4ts maintenant, vous devriez avoir termin\u00e9 vos r\u00e9novations avant la fin de 2027.<\/p>\n","protected":false},"author":1,"featured_media":1375,"comment_status":"closed","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[35],"tags":[],"class_list":{"0":"post-1374","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-epargner"},"acf":[],"_links":{"self":[{"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/posts\/1374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/comments?post=1374"}],"version-history":[{"count":10,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/posts\/1374\/revisions"}],"predecessor-version":[{"id":2069,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/posts\/1374\/revisions\/2069"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/media\/1375"}],"wp:attachment":[{"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/media?parent=1374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/categories?post=1374"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/richner.info\/fr\/wp-json\/wp\/v2\/tags?post=1374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}