Financing is the first and last hurdle to overcome when acquiring residential property. If the available funds are insufficient, an advance withdrawal or pledge of Pillar 2 assets may well be an alternative worth considering. This can open up a range of options, provided affordability is not endangered.
Yes, you can withdraw funds in advance to preserve the value of your home.
An advance withdrawal can be used only to finance the part of the property in which you live.
An example:
A married couple is planning to buy a house valued at CHF 500,000. Each partner wants a 50% share of the property. Each spouse can withdraw a maximum of CHF 250,000, even if their total available vested benefits are higher. If the amount of vested benefits is lower, they can withdraw only up to the total amount.
No. Advance withdrawals are possible only if the jointly owned property is split among spouses or registered partners.
Yes. Here too the maximum amount is the larger of:
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