Vermögen und Schulden gehen oft Hand in Hand. Die Grafik zeigt, dass die Verschuldung der Schweizer Privathaushalte im März 2023 bei 128% des BIP liegt (Quelle: K-Geld 06/2023), hauptsächlich bedingt durch Hypothekendarlehen.
Glauben Sie, dass sich dieser Trend fortsetzen wird? Was würde im Falle einer Finanzkrise passieren? Gibt es dazu irgendwelche Meinungen?
Warum? Irgendwelche Gedanken?
https://i.redd.it/pmurd2hxsgjd1.jpeg
Von RhinoInsight
7 Kommentare
This is probably due to mortgages for houses.
In Switzerland due to tax reasons it’s an advantage to never fully pay back the mortgage.
This is normal in fiat money system, to have any assets at all, someone needs to have debts in order to balance those assets, this is just simple accounting
Not true for everyone.
Wife and I are living perfectly.
Right by the ski lifts. With a sweet and stylin house.
Normal jobs. See you on the slopes.
In the text it says it is due to mortgages and that the debt are an average of CHF 112’950 per capita. This means the big risk is the housing market and a burst of the ever increasing price bubble.
Think for yourself which events could burst it like a needle stuck into a balloon.
There’s a rather simple reason for that.
In Switzerland you can subtract the mortgage interests from your income before tax.
Also, in Switzerland there is a „Eigenmietwert“ added to your income, based on what rent your property would earn on the free markes, minus a few things (insurance, upkeep, and stuff like that).
So if you have the means, you aim to make your mortgage to generate interest in the same amount of the Eigenmietwert.
(simplified)
r/switzerlandfirst
Likely during to simple excess consumption, costly car leasing, always newest fashion, latest mobile phones and dining out regularly in Zurich wanna-be restaurants