An early withdrawal from the pension fund is a common way of obtaining the necessary equity capital for the purchase of residential property. However, various legal rules must be considered, which we would like to point out in this blog entry. General information on pension funds: The pension system in Switzerland is based on three…

The energy crisis triggered by the war in Ukraine could have expensive consequences for homeowners in Switzerland. Rising prices and scarce resources require a serious look at one’s own energy consumption – especially in the current and upcoming season. In view of a possible energy shortage in winter, the federal government has already launched a…

What do I need to consider before taking out a mortgage and how can I find the right financing solution for me? Many future homeowners do not have the necessary know-how on the subject of home ownership, which is why they may feel overwhelmed before they actually take out a mortgage. This is not surprising…

Volatile interest rate markets, which mortgage should I get? The current volatile interest rate environment confronts many people with a difficult decision: Is it better at the moment to take out a cheaper SARON mortgage or perhaps to play it safe and make a long-term commitment by opting for a fixed-rate mortgage? Or maybe it…

The SARON mortgage is currently a very popular form of mortgage financing. But what do you have to look out for when taking out a SARON mortgage? Do all lenders offer the same conditions for the SARON mortgage? We would be happy to tell you!   What is a SARON mortgage? The SARON mortgage is…

Have you ever wondered what mortgage splitting is exactly and what advantages and disadvantages it entails? We would be happy to clarify the matter for you. Mortgage splitting refers to the division of a mortgage into several tranches with different terms. The number of tranches depends on the total amount of the mortgage. As a…

The affordability of your mortgage is currently given. But how will this look in retirement? The affordability of your mortgage changes as you get older. Especially when you reach retirement age, your income is replaced by the AHV and pension fund pensions or capital withdrawals. Often, your income decreases considerably at retirement age. But nevertheless,…

Unmarried couples can also buy a property together. However, couples should protect themselves in the process. In this blog post, we explain what you should bear in mind when buying property as a couple. Marriage is not a prerequisite for buying a property. In contrast to marriage, however, cohabitation does not provide coverage for unforeseen…

If you are currently interested in home ownership financing, you have certainly already come across the terms direct and indirect amortisation. But what do these terms mean and what is the difference between the two types of amortisation? The amortisation of the mortgage loan is about the repayment of the loan taken out. Banks distinguish…