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FREN
Investing from Switzerland
Investing in property
in France from Switzerland
Do you live in Geneva, Lausanne, Neuchâtel or Zurich and want to invest in France? Financing with a salary in Swiss francs, tax on both sides, social contributions reduced: what changes when you live in Switzerland, with our members’ applications.
1,000+ expats and non-residents
supported since 2017
4.8 on Trustpilot
276 client reviews
What they say about us
The essentials
- A Swiss resident is financed by a French bank: 35% debt ratio, insurance included, and 25 years at most, but some refuse Swiss applications.
- Your rents are taxed in France at a minimum of 20% up to €29,579, then 30% (2025 income), plus 7.5% social contributions if you are affiliated to the AVS and the LAMal and not dependent on any French scheme.
- Switzerland exempts them, but takes them into account for your rate.
Your profile
What is your situation ?
Swiss tax resident, employee or self-employed, with a B or C permit or Swiss nationality.
See how to finance your purchase →- Your financingFrench banks lend to Swiss residents, but not all of them do: our members in Switzerland have obtained 20 to 23-year mortgages, with a down payment often limited to the notary fees.
- Your taxesYour rents and your capital gain are taxed in France. Switzerland exempts them, but takes the rents into account when setting the rate of your Swiss tax.
- Your social contributionsIf you are covered by the AVS and the LAMal, you pay 7,5 % social contributions in France, instead of 17.2% or 18.6%.
You live in France and work in Switzerland: you are a French tax resident, taxed in France like a resident on your rents. If you remain covered by the LAMal, your social contributions are 7.5%.
See which rules apply →You live in Switzerland: you are a non-resident in France, often with a tax and social regime of your own. Banks look at this closely.
See how to finance your purchase →- Your financingFrench banks lend to Swiss residents, but not all of them do: our members in Switzerland have obtained 20 to 23-year mortgages, with a down payment often limited to the notary fees.
- Your taxesYour rents and your capital gain are taxed in France. Switzerland exempts them, but takes the rents into account when setting the rate of your Swiss tax.
- Your social contributionsIf you are covered by the AVS and the LAMal, you pay 7,5 % social contributions in France, instead of 17.2% or 18.6%.
WHAT IS HOLDING YOU BACK TODAY
Investing from Switzerland, a real challenge
Even with the desire and the means, investing in France from Switzerland has its pitfalls: here are the four that our members have had to overcome.
Our deals inThonon-les-BainsProject from MaurenaProperty Former medical practice split into 2 homesOur deals inAnnecyLatest yield 10.1% grossProject from SteffieProperty Attic studio converted with a bedroomExample dealStrasbourgCosted simulation on the city pageOur members inGenevaMaurena invested in Thonon-les-BainsAnaïs invested in AntibesOur members inNeuchâtelCamille invested in Montigny-lès-MetzYou live inLausanneMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inBernMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inBaselMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inZurichMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inLucerneMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inLuganoMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inFribourgMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inSionMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inSt. GallenMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inWinterthurMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inChurMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inBiel/BienneMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inMontreuxMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inLocarnoMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %You live inSchaffhausenMortgages obtained by our members 20 to 23 yearsSocial contributions 7,5 %
Where our members liveWhere they bought in France, near the borderBig cities
FINANCING
Banks that close their doors at the word “Switzerland”
Many French banks refuse Swiss residents or demand a large down payment. With a prepared application, our members in Switzerland have obtained 20 to 23-year mortgages, with the down payment often limited to the notary fees.
See the financing →SAVINGS
Your 2nd pillar does not finance a property that you rent out
The pension fund and the 3rd pillar A can only be used for the home you live in. An apartment rented out in France is financed by a bank mortgage and your personal savings.
See retirement savings →TAXES
France, Switzerland, or both?
Your rents are taxed in France; Switzerland exempts them, but takes them into account for your rate. If you are covered by the AVS and the LAMal, you pay 7.5% in social contributions instead of 17.2%.
See the France-Switzerland treaty →DISTANCE
Buying without being on site
Visits, renovation works, management: our members buy close to the border to follow the site by car, or further away for the yield, with a network on the ground.
See where to invest →1,000+ expats and non-residents in more than 70 countries have already benefited from our method
Your project, our mission
ImmoPourExpat supports you
at every stage of your project from Switzerland
Frédéric MoreauFounder, non-resident for over 12 years
About us
The property expert
created by an expat, for expats
A former corporate lawyer in Luxembourg and then Hong Kong, Frédéric Moreau found no method designed for non-residents when he wanted to invest in France. He created his own, tested it on his own properties, then founded ImmoPourExpat to support expats from A to Z, wherever they live in the world.
+550partners: banks, notaries, lawyers, tradespeople
+130 M€of projects supported with our clients
- 2016A corporate lawyer in Hong Kong, he decides to invest in property to build up his wealth.
- 2017First purchase in Nantes from abroad: a property turned into a 4-bedroom house share.
- 2020 à 2024He replicates his model (splits, creation of units) and ImmoPourExpat is born.
- 2025He lives off his property income and passes on his method to expats around the world.
Your project, our mission
Property support tailor-made
for expats: our 4 areas of expertise
It all starts with a free strategy meeting. Then, from finding the property to taxation, including financing and renovation works, we support you at your own pace.
Property financing
Structuring your bank application, introductions to our partners specialising in non-residents, and a list of banks to approach.
Property financing for expats →
Remote renovation
Controlled quotes, vetted tradespeople and site monitoring by a local contact: your renovation works move forward without you having to catch a plane.
Remote renovation for expats →
Optimised taxation
Optimise the taxation of your investment with our personalised advice: legal structuring, tax regime, wealth solutions.
Taxation for expat investors →Why trust us?
Our members are the ones who speak about it best
They live in Geneva, Neuchâtel or elsewhere in Switzerland and have invested in France: their projects on video and their reviews, unfiltered.
+1 000expats supported
+70countries of residence
10 %average down payment
8 %average yield
Their video testimonials
See all the video testimonials →Trustpilot
Mauréna GrossetSwitzerland, 12 June 2024Read the review →Trustpilot
Brice DBJapan, 30 October 2026Read the review →Trustpilot
Bruno beaubernardNetherlands, 15 October 2026Read the review →Trustpilot
Camille CanonSwitzerland, 25 September 2025Read the review →Trustpilot
Cyrielle NisLuxembourg, 30 September 2026Read the review →Trustpilot
Hugo Belda RomeufSpain, 24 July 2026Read the review →Trustpilot
Lucas BraudSwitzerland, 18 September 2025Read the review →Trustpilot
Murielle FuchsFrance, 17 July 2026Read the review →Trustpilot
Helene VitrySwitzerland, 15 September 2025Read the review →Trustpilot
Xavier HeriatUnited Kingdom, 2 July 2026Read the review →Trustpilot
Adrien BSwitzerland, 6 December 2024Read the review →Trustpilot
Paul QuenetSingapore, 21 May 2026Read the review →Trustpilot
I discovered Frédéric’s support…
I discovered Frédéric’s support programme at the start of 2024 and it was a very pleasant surprise. Frédéric helped me get a boost and he gives the keys as an expat. Thanks again :)
Mauréna GrossetSwitzerland, 12 June 2024Read the review →TrustpilotIdeal solution for handling banking procedures
Outil très intéressant, pratique et fluide pour faciliter la gestion des démarches bancaires, planifier les rendements, lien avec Google Map. Y’a aussi un calcul de la fiscalité, et cerise sur le gâteau une IA intégrée qui permet d’analyser les procès verbaux de Copro. Bravo, Vraiment complet. Je recommande vivement !! Erwin Guillemaud
EGErwin GuillemaudSwitzerland, 18 September 2025Read the review →TrustpilotThe Swiss Army knife of property
ImmoPourExpat est le couteau suisse de l'immobilier pour acquérir un bien depuis l'étranger : plateforme pour se former, ateliers pour approfondir et questionner, contacts pour accélérer, etc. Il suffit de sortir le bon outil au moment nécessaire.
NANabil A.Switzerland, 18 September 2025Read the review →TrustpilotThis support and this app…
This support and this app are tailor-made and answer all of our problems! Thank you Frédéric and the whole team! You are brilliant!
FFrcashmereSwitzerland, 14 September 2025Read the review →TrustpilotVery satisfied with my experience with IPE
Very satisfied with my experience with IPE (Immo Pour Expat). Communication is excellent, exchanges are smooth and I really feel supported throughout the project. J’ai surtout le sentiment que nous travaillons en équipe, avec une bonne compréhension des objectifs et une vraie volonté d’avancer ensemble. C’est très appréciable de pouvoir compter sur une équipe disponible, à l’écoute et impliquée. Je recommande vivement IPE !
Brice DBJapan, 30 October 2026Read the review →TrustpilotQuality support to succeed in your buy-to-let investment
I am very satisfied with the support from the whole IPE team. The advice offered through the videos and workshops is clear, practical and very useful for moving my project forward. J’apprécie particulièrement la qualité des contenus et la pertinence des échanges en atelier. Un accompagnement sérieux et enrichissant que je recommande vivement !
Bruno beaubernardNetherlands, 15 October 2026Read the review →TrustpilotProperty made accessible and an available team…
Property made accessible and an available team! I bought a property in March, making the most of the knowledge gained through the support programme. Zero bullshit, content, available people and mentoring that boosts confidence.
Camille CanonSwitzerland, 25 September 2025Read the review →TrustpilotDynamic and responsive team
Dynamic and responsive team. Sound, precise advice, adapted to personal situations Différentes stratégies proposées pour s’adapter aux évolutions du marché Je recommande !
Cyrielle NisLuxembourg, 30 September 2026Read the review →TrustpilotExpert: Thomas
We started our project with Thomas, who listens, gives good advice and helps us move the project forward from the very first call. Thank you!!
Hugo Belda RomeufSpain, 24 July 2026Read the review →TrustpilotResponsive, reassuring assistance for non-residents
ImmoPourExpat offers top-notch assistance 👍. Always available and responsive, they make the procedures much simpler for non-residents. A real saving of time and peace of mind ! Lucas Braud
Lucas BraudSwitzerland, 18 September 2025Read the review →TrustpilotExcellent coaches and community!
Excellent support from the coaches (special thanks to Vincent and Thomas), who go the extra mile to make sure the whole project runs perfectly. Great advice and community, everything I needed to stay motivated and achieve this big project. Merci!! :)
Murielle FuchsFrance, 17 July 2026Read the review →TrustpilotFrom novice to professional in a few clicks!
Helene Vitry: impressive, all the necessary knowledge is brought together in a single app ! The analysis is fast and several menus cover many scenarios. It is well designed, very intuitive and therefore easy to use, even for older people!Translated from English
Helene VitrySwitzerland, 15 September 2025Read the review →TrustpilotQuality support and great follow-up with Vincent
A big thank you to Vincent for his quality support throughout my project with IPE. He proved to be extremely available, attentive and full of good advice lors de toutes nos démarches (notamment dans le suivi rigoureux avec l'étude notariale). Même si le projet n'a malheureusement pas pu aboutir à cause du financement bancaire, l'implication de Vincent a été irréprochable du début à la fin. Un professionnel de confiance que je recommande sans hésiter !
Xavier HeriatUnited Kingdom, 2 July 2026Read the review →TrustpilotThink long term
In the long run, a good investment to grow and avoid mistakes
Adrien BSwitzerland, 6 December 2024Read the review →TrustpilotIPE - I recommend 100%!!!
IPE provided a great experience for a first time in property. Their advice, professionalism and responsiveness make them a very serious organisation to help new buyers. I strongly recommend the IPE team for any property investment.
Paul QuenetSingapore, 21 May 2026Read the review →TrustpilotVery high-quality content with the…
Very high-quality content with the videos, the experts are always available!
WWilliamSwitzerland, 14 October 2026Read the review →TrustpilotTop-notch support
Top-notch support. Very good exchanges, attentive and available. You feel supported and guided. It is reassuring and motivating.
AAlexandreSwitzerland, 3 September 2026Read the review →TrustpilotIPE never gives up!
I joined IPE wanting to bring an ambitious rental project to life. My status (non-EU, non-resident in France, and international civil servant) was a real obstacle with the banks. With IPE coaching, I learned truly tailor-made and effective techniques. I was able to open my account and start building a relationship of trust with the banks. The beginning was admittedly difficult, and I even had to wait a year of seniority with a bank to hope for financing, which ultimately ended in a refusal. But the IPE team did not let go of me, we persevered, we adjusted. Today, a bank has finally opened a door for me to bring my first rental project to life (a gem!) and has also committed to me to follow on with more ambitious projects! Many thanks to the IPE team who helped me keep the course, adapt and bounce back. A demanding experience, but an instructive and motivating one! But above all Fred also agreed to extend my coaching period to make sure I reached my goals!!! And that made all the difference!
AAbdoulSwitzerland, 6 November 2025Read the review →TrustpilotThe programme is very instructive, with…
The programme is very instructive, with theoretical and practical examples. Fred and the team are truly competent, responsive and have great anecdotes. This creates an excellent learning environment, where you can exchange during the working sessions and be supported on your projects throughout the journey. A real pleasure to be part of this community, I sincerely recommend it!Translated from English
JJessSwitzerland, 20 October 2025Read the review →TrustpilotA framework for investing in property in France
Dans ma vie d’expatriation, face à de nouveaux défis, j’ai trouvé ce programme remarquablement bien structuré et adapté à ma situation. L’utilisation de « Skool » comme plateforme d’accompagnement est à la fois moderne et intuitive, ce qui permet de rester facilement impliqué et connecté. Fred et l’équipe de coachs sont toujours réactifs et vraiment serviables, et créent un cadre bienveillant qui fait une réelle différence. Ce que j’apprécie le plus, c’est de pouvoir échanger avec d’autres membres qui vivent des expériences similaires : il y a un vrai sentiment de communauté et de progression partagée. Cette approche m’aide à avancer avec plus de confiance et de soutien dans mon parcours. Vivement recommandé à toute personne dans une situation similaire. Dariusz STranslated from English
DDariuszSwitzerland, 30 September 2025Read the review →TrustpilotI was really starting from zero and I…
I was really starting from zero and I felt I needed support. There are workshops almost every day, so every time I had a question or a doubt, I could ask for help directly, it helped me a lot to move forward. In the end, I managed to get a loan offer from the bank for 10% of the total project price (works, notary fees, furnishing, agency fees), over 18 years, with a one-year grace period before starting to repay the works portion. Really, thank you!!
ALAntoine L.Switzerland, 19 September 2025Read the review →TrustpilotIdeal for expats: simplicity, efficiency and transparency
An exceptional experience from start to finish. As an expat, I was afraid that searching for a property remotely would be complicated, but this programme brought me peace of mind and efficiency. The support is clear, professional and personalised. Every step was explained transparently, and I always got a quick answer to my questions. I particularly appreciated the administrative follow-up, which allowed me to manage the whole process without stress, even while living abroad. Today, I am fully satisfied and I recommend this programme to all expats who want to invest with confidence.
SASCHOOR ArnaudSwitzerland, 19 September 2025Read the review →TrustpilotGreat support with advice…
Super accompagnement avec des conseils que vous ne trouverez nulle part ailleurs.
DTDorian TornaySwitzerland, 19 September 2025Read the review →TrustpilotGreat experience with IPE
Great experience with IPE. There is a ton of very useful information shared through the courses or directly live on real cases. The investment pays for itself completely from the 1st purchase. Aurélien C
AAurélienSwitzerland, 19 September 2025Read the review →
Lives in Dubai
Lives in the United Kingdom
Lives in Spain
Lives in the Netherlands
Lives in Belgium
Lives in Luxembourg
Lives in Singapore
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Lives in the United StatesGaillac
Building with 4 units and 3 garages in the very centre
See their project →
▶See the testimonial
Lives in Thailand
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Lives in SwitzerlandSaint-Étienne
Two properties, including a 3-bedroom house share
See their project →
▶See the testimonial
Lives in Denmark
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Lives in CanadaNantes
32 m² studio in the very centre, without a permanent contract
See their project →
▶See the testimonial
▶See the testimonialWhere to invest
Where invest when you live in Switzerland?
Our members who live in Switzerland often buy close to the border, in Thonon-les-Bains, in the Annecy area or around Lyon: they can visit the property and follow the renovation works without taking a plane. Others aim for yield further away, in Saint-Étienne, Metz or on the Côte d’Azur.
Thonon-les-BainsMaurena’s project
AntibesAnaïs’s project
Montigny-lès-MetzCamille’s project
Saint-ÉtienneAudrey’s project
Near AnnecyThe project of Steffie, who lives in Spain
Near LyonThe project of Lois, who lives in the Netherlands
Near ChambéryThe project of Baptiste, who lives in Canada
CannesThe project of Julien, who lives in the United StatesOur investment calculators
How much can you invest ?
Instantly estimate your borrowing capacity from abroad, or the tax you will pay on your rents depending on your country.
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The calculation is done in your browser: no data is sent. See all our calculators (taxes, capital gains…) →
To invest with peace of mind
What you need to know when you invest from Switzerland
The advantages for you of investing in France from Switzerland
Your advantages
The advantages for you of investing in France from Switzerland
What a purchase in France brings you when you live in Switzerland, and what you need to meet in order to benefit from it.
A fixed rate for the whole term of the loan
- In France, mortgages are almost all fixed-rate over 20 or 25 years.
- In Switzerland, fixed rates rarely last more than 10 to 15 years: in France, your monthly payment does not change until the end.
- Condition: Borrow from a French bank.
Small down payment
- Our members who live in Switzerland have often put in only the notary fees, sometimes less.
- Condition: Present a solid application to banks that accept Swiss residents.
7.5% social contributions
- Instead of 17.2% or 18.6% for a non-resident from another country.
- Condition: Be covered by the AVS and the LAMal, and not dependent on any French scheme.
No Swiss tax on your rents
- Switzerland exempts your French rents and capital gain; it only uses them to set the rate of your Swiss tax.
- Condition: Hold the property directly, not via an SCI that you occupy.
How do you finance a purchase in France from Switzerland?
French banks apply the HCSF standard to Swiss residents: a 35% debt ratio, insurance included, and a term of 25 years at most, as long as the bank is French. What changes is how the application is received. Some banks refuse as soon as they hear “Switzerland”; others look at your income in Swiss francs with caution because of exchange rate risk. The choice of banks, the order in which you approach them and the way the application is presented make the difference. A mortgage in Swiss francs from a French bank is only possible if you mainly earn your income in that currency; most applications are financed in euros.
How much can you borrow? The calculator takes into account the share of your income in Swiss francs that the bank accepts.
Also read: which banks lend to expats and how much down payment to plan for.
Where do you pay your taxes: in France or in Switzerland?
| In France | In Switzerland | |
|---|---|---|
| Rents | Taxed in France: progressive scale with a minimum of 20% up to €29,579, then 30% (2025 income), plus 7.5% social contributions if you are covered in Switzerland. | Exempt, but used to set the rate of your Swiss tax (article 25 B of the treaty). To be declared in your Swiss return. |
| Capital gain on resale | Taxed in France: 19% plus 7.5% social contributions, with allowances from the 6th year; tax representative above €150,000. | Exempt. The cantonal tax on property gains only targets property located in Switzerland. |
| Wealth | IFI if your net French property wealth exceeds €1.3 million. | Exempt from cantonal wealth tax, but used to set its rate. |
| Inheritance | No treaty since 2015: France taxes your French real estate. | Depending on the law of your canton: to be checked with a notary. |
Two points specific to Switzerland. The €150,000 exemption on the capital gain remains available to French people living in Switzerland, subject to conditions; however, the exemption for the former main residence sold after departure does not apply for a departure to Switzerland. And if you buy via an SCI that you occupy yourself, Switzerland, which treats it as a company, may tax the benefit you derive from it.
France Switzerland tax treatyRents, capital gain, IFI and inheritance, article by article, with worked examples.Read the treaty →Taxation of the expat investorMinimum rate, social contributions, LMNP, SCI, capital gain: the French rules for non-residents.See the Taxation page →
Also read: how the rents of a non-resident are taxed.
Unfurnished, furnished or SCI?
| Unfurnished rental | Furnished rental (LMNP) | SCI subject to income tax | |
|---|---|---|---|
| Tax on rents | Micro-foncier (30% allowance) or actual regime, expenses and interest deducted | Micro-BIC (50%) or actual regime, with depreciation of the property, which often cuts tax sharply | Like unfurnished rental, at the level of each partner |
| On resale | Capital gain of individuals, allowances for length of ownership | Same, but the depreciation deducted is added back | Capital gain of individuals, without the €150,000 exemption |
| Who it suits | Simple long-term rental | The most common choice of our members | Buying with others, passing on wealth |
Note, in Switzerland: the SCI is treated as a company. If you occupy a property held through an SCI yourself, Switzerland may tax the benefit you derive from it.
The right choice depends on your project and your country: compare with the rental income tax calculator.
Worked example: how much tax on your rents?
A furnished studio let at €1,000 a month by a person living in Geneva, covered by the AVS and the LAMal (furnished rental under the micro-BIC regime, 2025 income).
- Rents receivedper year12 000 €
- Micro-BIC allowanceflat-rate expenses− 50 %
- Taxable incomein France6 000 €
- Tax (20% minimum rate)1 200 €
- Social contributions (7.5%)450 €
Total paid in France€1,650 per yeari.e. €138 a month, 13.8% of rents
You keep €10,350Tax €1,200Social contributions €450
In Switzerland: €0. The rents are only used to set the rate of your Swiss tax.
Without affiliation to a European, Swiss or British social security system, social contributions would rise to €1,116, i.e. €2,316 in total.
Run the numbers for your property. Choose “covered by Swiss social security” in the calculators.
Your Swiss retirement savings cannot finance a property that you rent out
In Switzerland, the money in your pension fund (the 2nd pillar) and your 3rd pillar A can be used to buy a home, by withdrawing it or by pledging it to the bank. But only for the home you live in yourself, in Switzerland or abroad. For an apartment that you rent out in France, you need a bank mortgage and your personal savings (account, free investments).
What do you have to declare in Switzerland?
Your French property and its rents are declared in your Swiss tax return, even if they are exempt there: they are used to set the rate applied to your income and your wealth in Switzerland. If you hold a B permit and are taxed at source, receiving rents from a property abroad in principle subjects you to a subsequent ordinary assessment (article 89 of the federal law on direct federal tax): you then fill in a full return. The procedures vary by canton, so check with yours.
How ImmoPourExpat supports you from Switzerland
A step-by-step method
The online training, from financing to letting, designed for non-residents.
Workshops every week
Your questions put live to the team, throughout the support programme.
A network on the ground
Banks, tradespeople, agents and managers used to working with remote investors.
The group of members in Switzerland
Members who live in Switzerland exchange among themselves: which banks are following, procedures, target cities.
Seminars in Geneva
ImmoPourExpat also organises in-person seminars in Geneva, to meet the team and other investors.
The steps of the ImmoPourExpat method, from the first call to letting →
Rules checked on 3 November 2026 (France-Switzerland tax treaty on Fedlex, BOFiP, impots.gouv.fr, Federal Tax Administration). The financing conditions cited are those of our members’ applications, at their date. This page provides information on the general rules: it does not replace tax advice or a loan offer.
Official texts: impots.gouv.fr: income tax for non-residents · impots.gouv.fr: non-residents’ property capital gains · DGFiP: the specific features of non-resident taxation (fact sheet, March 2026) · BOFiP: BOI-RFPI-PVINR-20-20, capital gains of non-residents.
A conversation to move your project forward
Launch your investment from Switzerland
A 45-minute conversation to answer your questions, assess your situation, and see how we can support you.
No commitment
100% personalised
What you need to know
Frequently asked questions
Can a Swiss resident get a mortgage in France?
Yes. French banks lend to Swiss residents, under the same 35% debt ratio standard and 25 years maximum. Not all of them do, and a bank may refuse as soon as it hears “Switzerland”: the choice of banks and the presentation of the application matter a great deal.
What down payment is needed from Switzerland?
There is no legal minimum. Our members in Switzerland have often put in only the notary fees, sometimes less. Many banks do, however, ask more of non-residents, particularly for income in Swiss francs.
I am a cross-border worker: does this apply to me?
No, if you live in France and work in Switzerland: you are a French tax resident and taxed as such on your rents. This page is aimed at people who live in Switzerland.
Are my French rents taxed twice?
No. They are taxed in France. Switzerland does not tax them, but adds them to your income to calculate the rate of your Swiss tax: this is the exemption with progression clause.
How much in social contributions does a Swiss resident pay?
7.5% (the solidarity levy) if you are covered by Swiss social security and not dependent on any French scheme. Otherwise, 17.2% on an unfurnished rental and 18.6% on a furnished rental.
Can I use my 2nd pillar to buy a rental property in France?
No. Early withdrawal or pledging of the 2nd pillar can only be used to buy the home you occupy yourself, in Switzerland or abroad. A buy-to-let investment must be financed another way.
Do I need a tax representative to resell?
Yes, if the price exceeds €150,000 (total price for a married or PACS couple), unless fully exempt after 30 years of ownership. As Switzerland is outside the European Union and the EEA, the exemption from the tax representative does not apply.
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To go further on taxation: Income tax for a non-resident, The tax representative, Social contributions for a non-resident, IFI for a non-resident.
The information on this page is general and does not replace tax, legal or financial advice suited to your situation.
Investing from abroad has never been so simple
ImmoPourExpat supports expats and non-residents from A to Z who want to invest in property in France: financing, property search, renovation works, taxation and remote management.
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