Your carefree package for financing, repayment, pension provision and insurance.
Whether it’s about your initial dream of home ownership or follow-on financing – the cooperation between Helvetia and its subsidiary MoneyPark enables you to benefit from an all-round carefree package. The experts at MoneyPark have got all aspects of your financing covered. Helvetia’s customer advisors take care of your individual repayment, pension and insurance concept. This concentrated mortgage expertise will enable you to find the best solution for your home ownership needs.
When buying your property, you benefit from an independent property valuation by MoneyPark. This allows you not only to compare the market price and purchase price of your property, but also to make a comparison with other properties in the region.
The use of equity for the purchase of a property is mandatory.
Promotion of home ownership (WEF)
The promotion of home ownership is a government policy measure aimed at enabling more people to afford to own their own home. As part of a withdrawal for the promotion of home ownership, cash from your pension fund and Pillar 3a assets can be withdrawn early. We answer the following questions for you, along with others:
Mortgages – models and term
There are two forms of mortgage repayment, both of which have pros and cons depending on the circumstances: direct or indirect repayment.
Financing home ownership has a direct impact on your tax position.
The rules that apply in relation to tax law, inheritance law and state, occupational and private pension schemes will differ depending on whether you are single or married, cohabiting with a partner or living in a same-sex partnership.
Income generally decreases sharply after retirement. Unexpected reductions in income can also occur as a result of incapacity to earn or death.
When an inheritance includes a residential property, the heirs will have to sort out compulsory shares or compensatory claims when the estate comes to be divided. If there are insufficient disposable assets to cover these compulsory shares, the property may have to be sold.
When a mortgage expires or is renewed, the mortgage lender carries out a value/market value adjustment. In doing so, the mortgage lender may, where appropriate, reduce the amount of the desired mortgage or increase the repayment requirements. The desired loan amount may no longer be granted.
Condominium ownership involves individual regulations and management contracts.
When purchasing an investment property, the focus is on a profitable and secure capital investment.