This form is to be used only to order documents required for requesting an advance withdrawal or to indicate a pledge of funds from the occupational benefit scheme.
Note: For persons aged 50 or older, the maximum possible advance withdrawal is limited to the termination benefit at age 50 or half the termination benefit at the age when the advance withdrawal is taken (whichever amount is greater).
Note: Advance withdrawals are only possible once every five years.
An advance withdrawal has an effect on your future pension benefit. We recommend a personal consultation, regardless of the further occupational benefits processes initiated by this application. You can arrange a consultation by calling 058 280 1000 or going to www.helvetia.ch/request-consultation.
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There are two ways of promoting home ownership through occupational benefit schemes: through advance withdrawals or through pledging. In the case of an advance withdrawal, all or part of the existing savings (the so-called termination benefit) is withdrawn in cash. In the case of pledging, pension claims are assigned to the pledgee as collateral.
Advance withdrawals and pledging are permitted for the acquisition or construction of residential property on the basis of sole ownership, co-ownership or joint ownership with the spouse or registered partner. In addition, it is also possible to repay mortgage loans, acquire unit certificates in a housing cooperative or make value-enhancing investments in an existing residential property. The funds may only be used for owner-occupied residential property. Owner-occupied means that the residential property is used by the insured person at his or her domicile or usual place of residence. It does not matter whether the place of residence is in Switzerland or abroad. However, the funds cannot be used to finance holiday homes or second homes.
An advance withdrawal will reduce the insured person’s retirement benefits, which can only be increased again by repaying the early withdrawal. Depending on the structure of the pension plan, an early withdrawal may also lead to reductions in risk cover in the event of disability or death.
An advance withdrawal can be voluntarily repaid before retirement, until the occurrence of another insured event (disability or death) or until the termination benefit has been paid out in cash. The minimum amount of any repayment is CHF 10,000.
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