Become an owner with 10% equity
The 20% equity rule does not tell the whole story: half of it can come from your second pillar, by early withdrawal or pledging. Well structured, a file your bank turns down at the counter often goes through elsewhere.
Worked example · flat at CHF 800'000
- Hard equity (10%)
- 80'000
- 2nd pillar (10%)
- 80'000
- Mortgage
- 640'000
- Interest at 1.33% / month
- 709
- Amortisation / month
- 592
- Running costs & upkeep / month
- 667
- Total monthly cost
- 1'968
Gross income required under the one-third rule: about CHF 135'000 a year. Indicative example.
The four points that decide your file
The one-third rule
Your notional costs — interest calculated at 5%, amortisation and 1% for upkeep — must not exceed one third of your gross income. It is that calculation, not today's rate, that caps your budget.
Early withdrawal or pledging of the second pillar
An early withdrawal reduces the debt but also your pension, and triggers a tax charge. Pledging preserves your retirement provision at the cost of a larger debt. We compare the two over the period you plan to hold the property.
Indirect amortisation
Amortising indirectly through a pillar 3a rather than directly preserves the deductibility of your interest and builds tax-privileged savings. Over fifteen years the cumulative difference is rarely negligible.
Valuing the property
The bank finances its own valuation, not the asking price. A 5% gap is paid in additional equity: we check the value before submitting the file.
Documents to gather
- Your last three payslips
- Your last two tax returns
- Pension fund certificate
- Proof of your equity
- Debt collection register extract
- Sales documentation for the property
- Identity document or residence permit
- Plans and technical specification of the property
It is this simple…
- Quick and simple
- No commitment
- Free for you
Fill in the form
Three minutes, with no documents to upload. We come back to you if anything is missing.
Receive several offers
Your file goes to the lenders best suited to your profile, not just to your own bank.
Compare and choose
A clear table: rates, terms, amortisation, fees. You decide, we negotiate and see it through to signature.
All of French-speaking Switzerland
Our advisers travel to you or meet you by video conference. The whole file can be handled remotely if you prefer.
- Geneva and surroundings
- Nyon, Gland, Rolle, La Côte
- Morges, Lausanne, Renens, Pully, Lutry
- Vevey, Montreux, Villeneuve, Aigle, Bex
- Monthey, Martigny, Sion, Sierre
- Bulle, Fribourg, Moudon, Payerne, Murten
- Yverdon, Orbe, Vallorbe
- Neuchâtel, La Chaux-de-Fonds and the Swiss Jura
We look at your file before saying yes or no.
Three minutes to describe your project. An adviser will call you back within 48 working hours with a first costed estimate, with no commitment and no charge.
- TEL
- 021 888 10 10 Monday to Friday, 9am–12pm and 2pm–5pm · Local rate
- info@immopret.ch Reply within 24 working hours
- VIDEO
- Remote consultation All of French-speaking Switzerland, 30 minutes