On April 22, 2026, the Federal Council passed the Too-Big-To-Fail package. UBS must fully back its foreign subsidiaries with core capital. Officially, the Swiss mortgage business is to remain unaffected, but independent economists warn of indirect effects.

After decades of political debate, the Federal Council has set a clear date: as of January 1, 2029, the imputed rental value for owner-occupied residential property will be abolished. This marks the start of a crucial transition period for homeowners from 2026 to 2028, in which strategic planning for taxes and financing can save real money.