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Ratgeber Wohneigentumsförderung

Promotion of home ownership. Invest pension assets in a home of your own.

Lenders usually require homebuyers to provide at least 20 percent of the purchase price as equity. Nevertheless, for the purpose of financing residential property, it is possible to withdraw 2nd and 3rd pillar pension capital in advance or pledge it. Helvetia explains how it works.

Financing your own home with an advance withdrawal from the pension fund

You can use your retirement savings ("termination benefit") from the pension fund (2nd pillar) to buy or build your own home.

You can withdraw 2nd pillar capital in advance if...

... the residential property is to be solely or co-owned by you, or jointly owned by you and your spouse or registered partner.


… you use it to pay back a mortgage loan.


… you use it to acquire unit certificates in a housing cooperative.


… you invest in your existing owner-occupied property to enhance its value.

You cannot withdraw 2nd pillar capital in advance if...

... the capital is used to finance holiday or second homes.

Frequently asked questions about the advance withdrawal from the 2nd pillar

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Pledge of 2nd and 3rd pillar retirement assets

A possible alternative to a direct advance withdrawal is to pledge retirement savings.
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