2nd pillar and pillar 3a for home financing
In Switzerland, pension assets from the 2nd pillar (pension fund) and pillar 3a (tied pension provision) can be used to finance the purchase, renovation, or amortization of owner-occupied residential property.
It is important to note that these funds may only be used for your primary residence – vacation homes or investment properties are excluded.
Withdrawn assets will be missing in your pension fund and pillar 3a, reducing your pension benefits.
An early withdrawal reduces not only your old-age pension, but also the benefits in the event of disability or death. This can become a financial burden for the surviving dependents.
A private risk insurance can offset reduced retirement benefits and provide comprehensive coverage in the event of death or disability.
Consider whether to take out a private risk insurance to offset the reduced benefits in case of death or disability
Seek advice regarding potential insurance solutions
Make sure that the property you are buying will be used as your primary residence
Document the intended use, for instance in a purchase agreement or renovation plans
Request an early withdrawal or pledge from your pension fund or pillar 3a provider
Submit all the necessary documents
Use your pension capital to improve your lending limit or reduce your mortgage
Make sure that your retirement provision remains guaranteed through alternative measures such as additional payments or private pension plans
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Our experts support you in using your pension assets safely and efficiently:
The SNB’s key interest rate cut is stimulating growth in the construction sector – despite a subdued economic outlook. Investment properties remain in demand, with the first signs of declining acquisition yields indicating growing capital pressure. The owner-occupied housing market remains stable with positive price momentum. There is also no end in sight to the upward trend in rents: in 2025, regional increases of up to 4% are possible.
The yield curve has largely normalized following the SNB’s key interest rate cut. While SARON mortgages have reached their low point, fixed-rate mortgages remain attractive across all maturities. However, geopolitical tensions and subdued economic prospects raise questions about future developments.
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We handle questions such as these and many others on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
No, your pension assets may only be used to finance your primary residence.
An early withdrawal reduces your pension capital, which in turn lowers your disability and survivors' benefits. A private risk insurance can help bridge this gap.
Pledging is advisable if you want to maintain your pension benefits while also securing a higher loan-to-value ratio for your financing.
A private risk insurance can help protect you against a reduction in benefits in the event of death or disability. We look forward to advising you on suitable solutions.
Yes, you can, as long as the renovations maintain or increase the value of your primary residence.