Another cost I forgot to mention which may apply is "tourist tax". Where we are (in the German speaking part) we have to pay for "Guest cards" annually. For our family of four the cost is around CHF 550 per year. The cards give us discounts on various things (although I wouldn't say that the cost evens out for us) and are obligatory.

We have also declared to the tourist office that our apartment will be rented (although we do this privately and are not registered for rent with the tourist office). Visitors to the area also have to buy visitor cards and we pay a tax of around CHF 250 (annually) to the tourist office (amount varies on how many beds you have available for rent). This tax enables visitors to our property to receive a more favourable visitor card which gives them many more concessions in the local area.

I wouldn't know if these taxes apply in the French speaking part. I don't recall ever being required to pay a tourist tax there ... maybe something else to check up on.

Another cost you will surely have thought of but could do with factoring in, is the cost of annual lift passes. We pay CHF 2,600 for a family of four (2 adults, one youth and one child).

I am also sure that you are aware that if you need a mortgage on your prospective property, most banks will require a 40% deposit rather than the normal 20% on your main home.

On the up side though, mainly for reasons peculiar to our area and our particular buillding, we have made a hefty paper profit on our purchase. Not the same as money in the bank, I know, but its nice to think that something we very much enjoy has also been a sound investment.