{"id":30612,"date":"2024-11-18T19:34:50","date_gmt":"2024-11-18T19:34:50","guid":{"rendered":"https:\/\/multicredit.ch\/offre-credit\/interets-deductibles\/"},"modified":"2026-03-10T15:47:55","modified_gmt":"2026-03-10T15:47:55","slug":"interets-deductibles","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/interets-deductibles\/","title":{"rendered":"Deductible interest"},"content":{"rendered":"<section class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929679182{padding-bottom: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Deductible_interest_in_a_credit_application\"><\/span>Deductible interest in a credit application<\/H2><\/div>\n<p>[vc_column_text]In Switzerland, interest paid on bank loans and credit cards is tax-deductible. This deductibility is a major tax advantage for borrowers, helping to reduce their overall tax burden.[\/vc_column_text][vc_column_text el_class=&#8221;pb-2 maxwidth&#8221;]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deductible_interest_the_case_of_a_bank_loan\"><\/span>Deductible interest: the case of a bank loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When a borrower takes out a loan with a bank, he or she is entitled to deduct the interest paid throughout the year from taxable income. At the end of each year, the lending bank is required to provide the borrower with a tax certificate detailing the total amount of interest paid over the past year. This certificate is essential if the borrower is to justify the deduction to the tax authorities.  <\/p>\n<p>It&#8217;s important to note that only the interest on the loan is tax-deductible. The borrowed capital itself, i.e. the amount of the loan, is not tax-deductible. This rule applies to all types of bank loan, whether mortgage, personal loan or consumer credit.[\/vc_column_text][vc_column_text]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Our_strengths_in_obtaining_the_best_possible_offers_for_our_customers_throughout_Switzerland_are_as_follows\"><\/span>Our strengths in obtaining the best possible offers for our customers throughout Switzerland are as follows<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck&#8221; css=&#8221;.vc_custom_1586930817763{padding-top: 24px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Receive a preliminary decision in just 5 minutes, during the first telephone contact<\/li>\n<li>Free processing of your request and non-binding offer<\/li>\n<li>Guaranteed confidentiality (we are bound by banking secrecy)<\/li>\n<li>Flexible repayment over 12 to 84 months<\/li>\n<li>Adjusted monthly payments and lower interest<\/li>\n<li>Flexible, adaptable terms (duration, rate, amount)<\/li>\n<li>Pay off your loan early at any time<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; data_aos_delay=&#8221;250&#8243; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>For Swiss nationals and C permit holders, tax deductions possible for interest on debt<\/li>\n<li>Easier and faster than mortgages and leasing<\/li>\n<li>Taking care of all your administrative formalities<\/li>\n<li>Simple, quick and discreet procedures<\/li>\n<li>Your file put together by a specialist<\/li>\n<li>Personalized advice at home or at our office<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929684389{padding-top: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;][vc_column_text el_class=&#8221;pt-2&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong>For private individuals living in Switzerland, Swiss nationals or <a href=\"https:\/\/www.sem.admin.ch\/sem\/fr\/home\/themen\/aufenthalt\/eu_efta.html\" target=\"_blank\" rel=\"noopener\">holders of a B, C permit or legitimation card (D, E, G and H)<\/a>, increasing your liquidity is possible, and so is saving money. Benefit from an individualized study of your project, and a tailor-made loan offer very quickly. <\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deductible_interest_the_case_of_a_bank_loan-2\"><\/span>Deductible interest: the case of a bank loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When a borrower accepts a <a href=\"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/\">credit offer<\/a> from a bank, he or she is entitled to deduct the interest paid throughout the year from his or her taxable income. At the end of each year, the lending bank is required to provide the borrower with a tax certificate detailing the total amount of interest paid over the past year. This certificate is essential if the borrower is to justify the deduction to the tax authorities.  <\/p>\n<p>It&#8217;s important to note that only the interest on the loan is tax-deductible. The borrowed capital itself, i.e. the amount of the loan, is not tax-deductible. This rule applies to all types of bank loan, whether mortgage, personal loan or consumer credit.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deductible_interest_the_case_of_a_private_lender\"><\/span>Deductible interest: the case of a private lender<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the loan is taken out with an individual (a private lender), the borrower can also deduct the interest paid, but only under certain conditions. For the deduction to be valid, precise supporting documents must be available, dated and signed by both parties involved, attesting to the amounts paid. These documents serve to prove the legitimacy of the deduction in the event of a tax audit.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Leasing_Non-deductible_interest\"><\/span>Leasing: Non-deductible interest<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It&#8217;s crucial to understand that financing a vehicle through leasing does not benefit from the same tax advantages. Unlike conventional loans, the interest paid on a lease is not tax-deductible. This distinction is due to the very nature of leasing, which is considered a long-term rental with a purchase option, rather than a conventional loan. This means that leasing payments, even if they include interest, cannot be deducted from taxable income.   <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Importance_of_the_Tax_Certificate\"><\/span>Importance of the Tax Certificate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The tax certificate provided by the bank is an essential document for the tax return. It guarantees the transparency of the interest paid and provides the necessary proof to benefit from the deduction. In the case of a private loan, the borrower must ensure that a formal, signed and dated agreement is obtained to justify the interest payments made. Without these documents, the deduction may be refused by the tax authorities.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; el_class=&#8221;lightgrey-bck bigpadding flex-eq-height diagonal-top-bck one-fifth-link-bloc&#8221;][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;0&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-hab.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Housing credit<\/h4>\n<p>Finance home improvements<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-habitation\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;50&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-auto.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Car credit<\/h4>\n<p>Buy your vehicle on credit<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-auto\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;100&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-form.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Training credit<\/h4>\n<p>Finance your studies<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/financement-d-etudes-et-de-formations\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;150&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-med.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Medical credit<\/h4>\n<p>Finance your surgery and medical care<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/pret-medical\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;200&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-all.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Miscellaneous credits<\/h4>\n<p>For all other projects<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credits-divers\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck regularpadding steps&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Your_credit_in_4_steps\"><\/span>Your credit in 4 steps<\/H2><\/p>\n<h4>Quick and easy<\/h4>\n<\/div>\n<p>[vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;25&#8243; label_value=&#8221;1&#8243; color=&#8221;custom&#8221; title=&#8221;Request&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You fill in the credit application form according to your needs.<\/p>\n<h5 style=\"text-align: center;\">2 min<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie label_value=&#8221;2&#8243; color=&#8221;custom&#8221; title=&#8221;Proposal&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">&#8220;We analyze your request and offer a solution tailored to your profile.&#8221;<\/p>\n<h5 style=\"text-align: center;\">12 hours<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;75&#8243; label_value=&#8221;3&#8243; color=&#8221;custom&#8221; title=&#8221;Signature&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Once the contract has been drawn up, all you have to do is sign it and send it to us.<\/p>\n<h5 style=\"text-align: center;\">This step depends on your responsiveness.<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;100&#8243; label_value=&#8221;4&#8243; color=&#8221;custom&#8221; title=&#8221;Transfer&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The amount is transferred to your account.<\/p>\n<h5 style=\"text-align: center;\">14 days (legal deadline)<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;lightgrey-bck bigpadding checklist&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-left title-dark\" clearfix\"><H3><span class=\"ez-toc-section\" id=\"Let_us_find_you_the_best_possible_credit_offer\"><\/span>Let us find you the best possible credit offer<\/H3><\/p>\n<h4>We are always looking for the best possible offer for our customers throughout Switzerland.<\/h4>\n<\/div>\n<p>[vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"9192edd4-92d6-41be-ba73-847e8056cd37\" data-message-model-slug=\"gpt-4o\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<h3><span class=\"ez-toc-section\" id=\"Practical_advice\"><\/span>Practical advice<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To optimize your tax situation:<\/p>\n<ul>\n<li><strong>Keep your tax receipts<\/strong>: Make sure you receive and keep all tax certificates issued by your bank or private lender.<\/li>\n<li><strong>Check your returns<\/strong>: When you prepare your tax return, make sure you include interest paid correctly and attach the required supporting documents.<\/li>\n<li><strong>Anticipate specific rules<\/strong>: If you are using a leasing agreement to finance your vehicle, be aware in advance that interest payments cannot be deducted, and plan accordingly.<\/li>\n<\/ul>\n<p>In short, the deductibility of interest on bank and private loans is a significant tax advantage in Switzerland. However, it is essential to be aware of the associated conditions, and to have the documentation required to justify these deductions. For those who finance purchases by leasing, it&#8217;s worth bearing in mind the absence of any tax deduction on interest paid.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"mb-2 flex gap-3 empty:hidden -ml-2\">\n<div class=\"items-center justify-start rounded-xl p-1 flex\">\n<div class=\"flex items-center\"><\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_btn title=&#8221;Discover&#8221; link=&#8221;url:https%3A%2F%2Fwww.multicredit.ch%2Ffr%2Fa-propos%2F|title:About%20us|&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul>\n<li><strong>Security and confidentiality<\/strong><\/li>\n<li><strong>Proximity and responsibility<\/strong><\/li>\n<li><strong>Guaranteed pick-up in less than 24 hours<\/strong><\/li>\n<li><strong>Lower rates than the competition<\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bring your project to life, simply.<\/p>\n","protected":false},"author":25,"featured_media":11771,"parent":30579,"menu_order":-9,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"class_list":["post-30612","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=30612"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30612\/revisions"}],"predecessor-version":[{"id":30614,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30612\/revisions\/30614"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11771"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=30612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}