{"id":41962,"date":"2026-05-12T10:11:00","date_gmt":"2026-05-12T09:11:00","guid":{"rendered":"https:\/\/www.lica.ch\/?p=41962"},"modified":"2026-05-12T10:49:29","modified_gmt":"2026-05-12T09:49:29","slug":"deducao-dos-juros-passivos-apos-a-votacao-de-28-de-setembro-de-2025","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/reglementation\/deduction-des-interets-passifs-apres-la-votation-du-28-septembre-2025\/","title":{"rendered":"Dedu\u00e7\u00e3o dos juros passivos ap\u00f3s a vota\u00e7\u00e3o de 28 de setembro de 2025"},"content":{"rendered":"<p>A dedu\u00e7\u00e3o de juros mudou de estatuto na Su\u00ed\u00e7a ap\u00f3s a vota\u00e7\u00e3o de 28 de setembro de 2025. O princ\u00edpio \u00e9 agora claro: a dedu\u00e7\u00e3o dos juros passivos privados dever\u00e1 desaparecer para a maioria dos contribuintes, com entrada em vigor o mais cedo poss\u00edvel a partir de 2028. Esta reforma decorre do novo sistema ligado \u00e0 supress\u00e3o do valor locativo. Para os agregados familiares su\u00ed\u00e7os, a quest\u00e3o \u00e9 muito concreta. <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/o-seu-credito-pessoal-com-a-melhor-taxa-da-suica\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/votre-credit-prive-au-meilleur-taux-de-suisse\/\">Cr\u00e9dito privado<\/a>, um saldo de cart\u00e3o de cr\u00e9dito ou um empr\u00e9stimo familiar pode custar realmente mais caro amanh\u00e3. \u00c9, portanto, necess\u00e1rio compreender o quadro legal e, em seguida, medir o impacto no or\u00e7amento.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dedu\u00e7\u00e3o de juros ap\u00f3s o referendo de 28 de setembro de 2025: o que muda na Su\u00ed\u00e7a<\/h2>\n\n\n\n<p>Antes da reforma, o sistema su\u00ed\u00e7o baseava-se num equil\u00edbrio conhecido. O valor locativo era tributado. Em contrapartida, certos juros passivos e certas despesas podiam ser deduzidos. Este mecanismo dizia respeito sobretudo ao imobili\u00e1rio, mas n\u00e3o unicamente.<\/p>\n\n\n\n<p>Depois <a href=\"https:\/\/www.admin.ch\/fr\/votation-populaire-du-28-septembre-2025\" type=\"link\" id=\"https:\/\/www.admin.ch\/fr\/votation-populaire-du-28-septembre-2025\" target=\"_blank\" rel=\"noreferrer noopener\">a vota\u00e7\u00e3o de 2025<\/a>, o princ\u00edpio inverte-se. A elimina\u00e7\u00e3o do valor locativo \u00e9 acompanhada pela elimina\u00e7\u00e3o da dedu\u00e7\u00e3o dos juros passivos privados. Noutras palavras, a antiga troca fiscal desaparece. Isto aplica-se a n\u00edvel su\u00ed\u00e7o, mesmo que o calend\u00e1rio exato dependa ainda da implementa\u00e7\u00e3o.<\/p>\n\n\n\n<p>\u00c9, portanto, necess\u00e1rio distinguir duas etapas. Primeiro, a reforma constitucional foi aceite. Depois, a sua aplica\u00e7\u00e3o efetiva ocorrer\u00e1 mais tarde. Esta nuance \u00e9 importante para as decis\u00f5es de cr\u00e9dito tomadas entre 2026 e 2027.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quais cr\u00e9ditos permanecem abrangidos pelo fim da dedu\u00e7\u00e3o de juros<\/h2>\n\n\n\n<p>A reforma n\u00e3o visa apenas as hipotecas. Abrange de forma mais ampla os juros passivos privados. Este \u00e9 o ponto que muitos leitores ainda subestimam.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empr\u00e9stimo pessoal ou cr\u00e9dito privado: os juros pagos j\u00e1 n\u00e3o deveriam ser dedut\u00edveis.<\/li>\n\n\n\n<li>D\u00e9bito de soldo <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/cartao-de-credito-gratuito-com-a-oferta-certo-one-mastercard-by-lica\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/carte-de-credit-gratuite-avec-loffre-certo-one-mastercard-by-lica\/\">cart\u00e3o de cr\u00e9dito<\/a> : mesma l\u00f3gica, se reportar um saldo.<\/li>\n\n\n\n<li>Descoberto banc\u00e1ria: os juros de descoberto tamb\u00e9m est\u00e3o inclu\u00eddos.<\/li>\n\n\n\n<li>Cr\u00e9dito lombardo: entra no \u00e2mbito dos juros passivos privados.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/como-redigir-um-reconhecimento-de-divida\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/comment-rediger-une-reconnaissance-de-dette\/\">Empr\u00e9stimos entre particulares<\/a> ou empr\u00e9stimo familiar: a vantagem fiscal impl\u00edcita tamb\u00e9m desaparece.<\/li>\n<\/ul>\n\n\n\n<p>Muitos ainda pensam que apenas os cr\u00e9ditos habita\u00e7\u00e3o s\u00e3o visados. Na realidade, o fim da dedu\u00e7\u00e3o dos juros abrange tamb\u00e9m financiamentos do dia a dia ou de tesouraria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Aquilo que n\u00e3o desaparece com a reforma<\/h2>\n\n\n\n<p>A reforma n\u00e3o elimina tudo. Em primeiro lugar, \u00e9 preciso distinguir a dedu\u00e7\u00e3o de juros da dedu\u00e7\u00e3o de d\u00edvidas para o imposto sobre o patrim\u00f3nio. Esta \u00faltima l\u00f3gica n\u00e3o desaparece automaticamente.<\/p>\n\n\n\n<p>Em seguida, os juros ativos continuam a ser tribut\u00e1veis para o credor. Um familiar que recebe juros de um empr\u00e9stimo familiar deve, portanto, continuar a declar\u00e1-los de acordo com as regras aplic\u00e1veis.<\/p>\n\n\n\n<p>A LCC tamb\u00e9m n\u00e3o muda. As regras su\u00ed\u00e7as de prote\u00e7\u00e3o do consumidor, de solvabilidade e de supervis\u00e3o do <a href=\"https:\/\/www.lica.ch\/pt\/credit-a-la-consommation\/como-funciona-um-credito-pessoal\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-a-la-consommation\/comprendre-le-fonctionnement-dun-credit-a-la-consommation\/\">cr\u00e9dito ao consumo<\/a> permanecem no lugar. O controlo de risco e as verifica\u00e7\u00f5es habituais permanecem, portanto, essenciais.<\/p>\n\n\n\n<p>Finalmente, n\u00e3o se deve confundir <a href=\"https:\/\/www.lica.ch\/pt\/credito-automovel\/credito-automovel-ou-leasing-qual-e-a-melhor-solucao-na-suica\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-auto\/credit-voiture-ou-leasing-quelle-est-la-meilleure-solution-en-suisse\/\">cr\u00e9dito e leasing<\/a>. O leasing n\u00e3o funciona com a mesma l\u00f3gica fiscal. Por isso, n\u00e3o \u00e9 afetado da mesma forma pelo fim da dedu\u00e7\u00e3o de juros passivos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">As exce\u00e7\u00f5es a conhecer para os contribuintes su\u00ed\u00e7os<\/h2>\n\n\n\n<p>A reforma n\u00e3o \u00e9 uniforme. Duas exce\u00e7\u00f5es devem ser tidas em conta. A primeira diz respeito aos compradores de primeira casa para habita\u00e7\u00e3o pr\u00f3pria. A segunda destina-se aos propriet\u00e1rios <a href=\"https:\/\/www.lica.ch\/pt\/credito-imobiliario\/comprar-imovel-no-estrangeiro-com-credito-pessoal\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-immobilier\/comment-acheter-un-bien-immobilier-a-letranger-avec-un-credit-prive\/\">de edif\u00edcios de rendimento<\/a>.<\/p>\n\n\n\n<p>Estes casos permanecem, no entanto, espec\u00edficos. N\u00e3o devem toldar a leitura de um inquilino com <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-na-suica\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-prive-en-suisse\/\">cr\u00e9dito privado<\/a> ou de uma fam\u00edlia com <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/\">um empr\u00e9stimo pessoal<\/a>. Para estes perfis, as exce\u00e7\u00f5es raramente oferecem prote\u00e7\u00e3o \u00fatil.<\/p>\n\n\n\n<p>Deve, portanto, evitar-se uma conclus\u00e3o precipitada. As exce\u00e7\u00f5es \u00e0 dedu\u00e7\u00e3o de juros dizem respeito sobretudo a certas situa\u00e7\u00f5es imobili\u00e1rias, e n\u00e3o a cr\u00e9ditos privados comuns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A partir de quando \u00e9 que a dedu\u00e7\u00e3o dos juros desaparece realmente<\/h2>\n\n\n\n<p>O desaparecimento n\u00e3o se aplica imediatamente. Existe um per\u00edodo de transi\u00e7\u00e3o. A entrada em vigor \u00e9 anunciada mais cedo a partir de 2028. At\u00e9 l\u00e1, os cr\u00e9ditos j\u00e1 em vigor continuam a evoluir no quadro atual.<\/p>\n\n\n\n<p>Esta janela \u00e9 estrat\u00e9gica. Os anos de 2026 e 2027 podem servir para comparar ofertas, <a href=\"https:\/\/www.lica.ch\/pt\/consolidacao-de-credito\/resgate-do-credito-pessoal-descubra-como-a-lica-o-pode-ajudar\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/rachat-de-credit\/rachat-de-credit-prive-decouvrez-comment-lica-peut-vous-aider\/\">Refinanciar um empr\u00e9stimo<\/a>, ou revoir une <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/7-formas-eficazes-de-pagar-dividas\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/7-moyens-efficaces-pour-rembourser-ses-dettes\/\">d\u00edvida dispendiosa<\/a>. Esperar at\u00e9 ao \u00faltimo momento pode reduzir as margens de manobra.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Na Su\u00ed\u00e7a, o per\u00edodo de transi\u00e7\u00e3o antes da entrada em vigor da reforma \u00e9 um momento estrat\u00e9gico para comparar um refinanciamento, reduzir uma d\u00edvida dispendiosa e colocar a taxa no centro de qualquer decis\u00e3o de cr\u00e9dito privado.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Por que o custo real do cr\u00e9dito vai aumentar para muitos agregados familiares<\/h2>\n\n\n\n<p>At\u00e9 agora, alguns mutu\u00e1rios raciocinavam em termos de custo l\u00edquido ap\u00f3s impostos. Amanh\u00e3, esse racioc\u00ednio perder\u00e1 valor. Sem dedu\u00e7\u00e3o de juros, o custo real do cr\u00e9dito aproximar-se-\u00e1 do custo nominal pago ao banco ou ao credor.<\/p>\n\n\n\n<p>O efeito ser\u00e1 mais vis\u00edvel nos agregados familiares que efetivamente deduziam os seus juros. O impacto variar\u00e1 consoante o cant\u00e3o, o rendimento tribut\u00e1vel e o tipo de cr\u00e9dito. Os empr\u00e9stimos pessoais, saldos de cart\u00e3o e alguns empr\u00e9stimos entre particulares ser\u00e3o frequentemente os mais sens\u00edveis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perfis mais expostos ao encarecimento real<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Arrendat\u00e1rio com cr\u00e9dito privado em curso.<\/li>\n\n\n\n<li>Menage que relata <a href=\"https:\/\/www.lica.ch\/pt\/cartao-de-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/carte-de-credit\/\">saldos do cart\u00e3o de cr\u00e9dito<\/a>.<\/li>\n\n\n\n<li>Mutu\u00e1rio com empr\u00e9stimo familiar remunerado.<\/li>\n\n\n\n<li>Propriet\u00e1rio n\u00e3o locador que pensava manter uma vantagem fiscal ampla.<\/li>\n\n\n\n<li>Independente ou reformado com uma estrutura de d\u00edvida sens\u00edvel a impostos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Dedu\u00e7\u00e3o de juros: exemplos num\u00e9ricos antes e depois da reforma<\/h2>\n\n\n\n<p>O fim da dedu\u00e7\u00e3o de juros n\u00e3o se mede apenas em teoria: traduz-se num custo adicional bem real em cada franco emprestado. Eis tr\u00eas casos t\u00edpicos calculados segundo as condi\u00e7\u00f5es de mercado de 2026 e as taxas de imposto m\u00e9dias na Su\u00ed\u00e7a, para tornar o impacto tang\u00edvel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Caso n.\u00ba 1: empr\u00e9stimo pessoal de 20 000 CHF com 10 % de juros e 14 % de comiss\u00e3o, a 48 meses<\/h3>\n\n\n\n<p>Hip\u00f3tese: taxa de juro anual efetiva de 8,91 % (1.\u00ba trimestre de 2017), presta\u00e7\u00f5es mensais constantes de cerca de 497 CHF (1.\u00ba trimestre de 2014). O total dos juros pagos ao longo de 4 anos ascende a 3 842 CHF (1.\u00ba trimestre de 2014).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Situa\u00e7\u00e3o<\/th><th class=\"has-text-align-center\" data-align=\"center\">Poupan\u00e7a fiscal<\/th><th class=\"has-text-align-center\" data-align=\"center\">Custo real dos juros<\/th><th class=\"has-text-align-center\" data-align=\"center\">Diferen\u00e7a<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Antes da reforma (taxa marginal 25%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">960 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 882 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">refer\u00eancia<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Ap\u00f3s reforma (qualquer escal\u00e3o)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>3 842 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>+960 CHF (+33%)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>A dimens\u00e3o da perda depende fortemente do cant\u00e3o de resid\u00eancia, uma vez que as taxas marginais de imposto variam consideravelmente de regi\u00e3o para regi\u00e3o.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Perfil cantonal<\/th><th class=\"has-text-align-center\" data-align=\"center\">Taxa marginal estimada<\/th><th class=\"has-text-align-center\" data-align=\"center\">Economia de dedu\u00e7\u00e3o perdida<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Zoug, Schwyz, Nidwald (fiscalidade baixa)<\/td><td class=\"has-text-align-center\" data-align=\"center\">~22%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2212845 CHF<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Vaud, Berna, Friburgo (m\u00e9dio)<\/td><td class=\"has-text-align-center\" data-align=\"center\">~30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u22121 153 CHF<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Genebra, Neuch\u00e2tel, Basile-Cidade (elevado)<\/td><td class=\"has-text-align-center\" data-align=\"center\">~38%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u22121 460 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Caso n.\u00ba 2: saldo da cart\u00e3o de cr\u00e9dito de 5 000 CHF ao longo de um ano<\/h3>\n\n\n\n<p>Hip\u00f3tese: taxa m\u00e1xima legal aplic\u00e1vel aos cart\u00f5es de cr\u00e9dito em 2026, ou seja, 12% (limite fixado pela portaria LCC).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Situa\u00e7\u00e3o<\/th><th class=\"has-text-align-center\" data-align=\"center\">Juros anuais<\/th><th class=\"has-text-align-center\" data-align=\"center\">Poupan\u00e7a fiscal<\/th><th class=\"has-text-align-center\" data-align=\"center\">Custo real<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Antes da reforma (c\u00f3digo 25%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">600 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">150 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">450 CHF<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Ap\u00f3s reforma<\/td><td class=\"has-text-align-center\" data-align=\"center\">600 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>600 CHF (+33%)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.lica.ch\/pt\/consolidacao-de-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/rachat-de-credit\/\">O extrato de saldo<\/a>, j\u00e1 uma das formas de financiamento mais dispendiosas da Su\u00ed\u00e7a, perde o seu \u00faltimo amortecedor fiscal. Para um mutu\u00e1rio num cant\u00e3o com fiscalidade elevada (taxa marginal de 38%), o custo anual adicional atinge 228 CHF por cada 5\u2019000 CHF de saldo transitado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Caso n.\u00ba 3: empr\u00e9stimo familiar entre c\u00f4njuges de 15\u2019000 CHF por 5 anos a 2,5%<\/h3>\n\n\n\n<p>Hip\u00f3tese: reembolso amortiz\u00e1vel, juros totais de cerca de 967 CHF ao longo do prazo. Particularidade do empr\u00e9stimo entre familiares: a dedu\u00e7\u00e3o dos juros aplicava-se a ambas as partes da rela\u00e7\u00e3o.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Posi\u00e7\u00e3o<\/th><th class=\"has-text-align-center\" data-align=\"center\">Antes da reforma<\/th><th class=\"has-text-align-center\" data-align=\"center\">Ap\u00f3s reforma<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Mutu\u00e1rio \u2014 dedu\u00e7\u00e3o dos juros pagos (marginal 25%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2212242 CHF de imposto<\/td><td class=\"has-text-align-center\" data-align=\"center\">0<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Credor \u2014 tributa\u00e7\u00e3o dos juros recebidos (c\u00f3digo 25%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+242 CHF de imposto<\/td><td class=\"has-text-align-center\" data-align=\"center\">+242 CHF de imposto<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Sal\u00e1rio fiscal ao n\u00edvel do agregado familiar alargado<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0 (neutro)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>+242 CHF de carga<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Enquanto o mutu\u00e1rio deduzia o que o mutu\u00e1rio declarava, a opera\u00e7\u00e3o permanecia fiscalmente neutra \u00e0 escala familiar. Com a reforma, a assimetria torna-se permanente: os juros recebidos mant\u00eam-se tribut\u00e1veis pelo mutuante (art. 20.\u00ba n.\u00ba 1 al. a LIFD), mas j\u00e1 n\u00e3o geram qualquer dedu\u00e7\u00e3o pelo mutu\u00e1rio. O empr\u00e9stimo entre pr\u00f3ximos torna-se assim mecanicamente mais dispendioso para o agregado familiar global, o que poder\u00e1 incentivar a privilegiar a doa\u00e7\u00e3o ou o adiantamento sobre heran\u00e7a n\u00e3o remunerado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">An\u00e1lise transversal: quanto custa o fim da dedu\u00e7\u00e3o?<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Tipo de cr\u00e9dito<\/th><th class=\"has-text-align-center\" data-align=\"center\">Custo adicional m\u00e9dio real (marginal 25%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Custo adicional em cant\u00f5es com tributa\u00e7\u00e3o elevada (38%)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Cr\u00e9dito pessoal 20\u2019000 CHF \/ 48 meses<\/td><td class=\"has-text-align-center\" data-align=\"center\">+960 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">+1 460 CHF<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Saldo do cart\u00e3o 5 000 CHF \/ 1 ano<\/td><td class=\"has-text-align-center\" data-align=\"center\">+150 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">+228 CHF<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Empr\u00e9stimo familiar 15\u2019000 CHF \/ 5 anos<\/td><td class=\"has-text-align-center\" data-align=\"center\">+242 CHF (central)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+367 CHF (central)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>A conclus\u00e3o \u00e9 un\u00e2nime: a supress\u00e3o da dedu\u00e7\u00e3o dos juros representa entre 20 % e 38 % de custo adicional real sobre o total dos juros pagos, dependendo do cant\u00e3o de resid\u00eancia e do rendimento do mutu\u00e1rio. Quanto mais elevada for a taxa marginal de imposto, mais acentuado \u00e9 o impacto da reforma. Um efeito que, paradoxalmente, penaliza mais as fam\u00edlias dos cant\u00f5es da Su\u00ed\u00e7a franc\u00f3fona e das zonas urbanas com elevada tributa\u00e7\u00e3o do que as dos cant\u00f5es da Su\u00ed\u00e7a alem\u00e3 com tributa\u00e7\u00e3o mais branda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A taxa efetiva torna-se o ponto de refer\u00eancia central para comparar um cr\u00e9dito<\/h2>\n\n\n\n<p>Ap\u00f3s o fim do benef\u00edcio fiscal, a taxa torna-se o melhor referencial pr\u00e1tico. Permite ler o custo anual efetivo, e n\u00e3o apenas uma taxa de chamada. \u00c9 essencial para <a href=\"https:\/\/www.lica.ch\/pt\/lica\/comparador-de-credito-pessoal-neutro-e-independente\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/lica\/le-comparateur-de-credit-prive-neutre-et-independant\/\">comparar ofertas de cr\u00e9dito na Su\u00ed\u00e7a<\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Com o desaparecimento progressivo da dedu\u00e7\u00e3o de juros passivos privados, um cr\u00e9dito j\u00e1 n\u00e3o dever\u00e1 ser avaliado com base num benef\u00edcio fiscal presumido, mas sim no seu custo real, dura\u00e7\u00e3o e capacidade de se manter suport\u00e1vel no or\u00e7amento do agregado familiar.<\/p>\n<\/blockquote>\n\n\n\n<p>\u00c9 preciso tamb\u00e9m olhar para o custo total. Uma presta\u00e7\u00e3o mensal mais baixa pode esconder um prazo mais longo e uma fatura final mais pesada. As taxas, o seguro eventual e as condi\u00e7\u00f5es de reembolso tamb\u00e9m contam. Neste novo contexto, comparar numa base bruta e neutra torna-se o m\u00e9todo correto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O que fazer a partir de agora antes de 2028:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verifique se o seu cr\u00e9dito atual se baseia num benef\u00edcio fiscal prestes a expirar.<\/li>\n\n\n\n<li>Estudar <a href=\"https:\/\/www.lica.ch\/pt\/consolidacao-de-credito\/porque-resgatar-o-seu-credito-pessoal-os-cartoes-de-credito-e-o-leasing\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/rachat-de-credit\/pourquoi-racheter-votre-credit-prive-vos-cartes-de-credit-et-votre-leasing\/\">um refinanciamento<\/a> se a taxa se mantiver alta.<\/li>\n\n\n\n<li>Avaliar um reembolso antecipado se o custo total se tornar demasiado pesado.<\/li>\n\n\n\n<li>Comparar as ofertas em fun\u00e7\u00e3o da taxa e do montante total em d\u00edvida.<\/li>\n\n\n\n<li>Rever a arbitragem entre cr\u00e9dito, <a href=\"https:\/\/www.lica.ch\/pt\/consolidacao-de-credito\/porque-resgatar-o-seu-credito-pessoal-os-cartoes-de-credito-e-o-leasing\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/rachat-de-credit\/pourquoi-racheter-votre-credit-prive-vos-cartes-de-credit-et-votre-leasing\/\">aluguer<\/a> ou relat\u00f3rio de compra.<\/li>\n\n\n\n<li>Rever os empr\u00e9stimos entre particulares sem vi\u00e9s fiscal.<\/li>\n<\/ul>\n\n\n\n<p>Quanto mais elevado for o custo do cr\u00e9dito, mais \u00fatil poder\u00e1 ser uma compara\u00e7\u00e3o r\u00e1pida. Em alguns casos, esperar at\u00e9 2028 poder\u00e1 sair mais caro do que se prev\u00ea.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">E como antecipar o agravamento real do seu cr\u00e9dito:<\/h3>\n\n\n\n<p>Para antecipar corretamente o fim da dedu\u00e7\u00e3o de juros, \u00e9 preciso simular a sua situa\u00e7\u00e3o real. O c\u00e1lculo correto depende do montante do empr\u00e9stimo, do prazo, da taxa e do perfil fiscal. O cant\u00e3o tamb\u00e9m pode alterar o resultado.<\/p>\n\n\n\n<p>Um acompanhamento especializado ajuda ent\u00e3o a arbitrar serenamente. Permite comparar um refinanciamento, um reembolso parcial ou a procura de um <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/o-seu-credito-pessoal-com-a-melhor-taxa-da-suica\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/votre-credit-prive-au-meilleur-taux-de-suisse\/\">melhor taxa efetiva<\/a>. \u00c9 precisamente esta a abordagem adequada para compreender a situa\u00e7\u00e3o atual e tomar decis\u00f5es antes de 2028. Nesta perspetiva, a Lica pode ajudar os mutu\u00e1rios su\u00ed\u00e7os a calcular o verdadeiro encarecimento do seu cr\u00e9dito e a escolher a solu\u00e7\u00e3o mais racional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A nossa conclus\u00e3o sobre a dedu\u00e7\u00e3o de juros a partir de janeiro de 2028<\/h2>\n\n\n\n<p>A dedu\u00e7\u00e3o dos juros passivos privados deve desaparecer para a maioria dos contribuintes su\u00ed\u00e7os. A mudan\u00e7a s\u00f3 entrar\u00e1 em vigor, no m\u00ednimo, em 2028, mas a fase de antecipa\u00e7\u00e3o j\u00e1 come\u00e7ou. Doravante, <a href=\"https:\/\/www.lica.ch\/pt\/regulamentacao\/aumento-da-taxa-maxima-para-creditos-pessoais-a-partir-de-1-janeiro-2024\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/reglementation\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\/\">a taxa<\/a> e o custo real se tornam os pontos de refer\u00eancia cruciais. Para muitos agregados familiares, a verdadeira quest\u00e3o j\u00e1 n\u00e3o \u00e9 apenas fiscal. \u00c9 tamb\u00e9m or\u00e7amental e de tomada de decis\u00e3o. \u00c9, portanto, melhor medir a sua exposi\u00e7\u00e3o desde j\u00e1 e arbitr\nar antes da entrada em vigor.<\/p>","protected":false},"excerpt":{"rendered":"<p>La d\u00e9duction des int\u00e9r\u00eats a chang\u00e9 de statut en Suisse apr\u00e8s la votation du 28 septembre 2025. Le principe est d\u00e9sormais clair: la d\u00e9duction des int\u00e9r\u00eats passifs priv\u00e9s doit dispara\u00eetre pour la majorit\u00e9 des contribuables, avec une entr\u00e9e en vigueur au plus t\u00f4t en 2028. Cette r\u00e9forme d\u00e9coule du nouveau syst\u00e8me li\u00e9 \u00e0 la suppression [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":41965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-41962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reglementation"],"_yoast_wpseo_focuskw":"D\u00e9duction des int\u00e9r\u00eats","_yoast_wpseo_title":"D\u00e9duction des int\u00e9r\u00eats passifs du cr\u00e9dit : fin annonc\u00e9e d\u00e8s 2028","_yoast_wpseo_metadesc":"D\u00e9duction des int\u00e9r\u00eats passifs du cr\u00e9dit priv\u00e9 : la fin est annonc\u00e9e d\u00e8s 2028 alors anticipez avec les conseils ind\u00e9pendants de Lica.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9duction des 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