ÃÛ¶¹ÊÓƵ

Your tax advantages

• In your tax declaration, you can deduct the paid-in amount from your taxable income.
• The capital saved is exempt from income tax during the term.
• Interest earnings and capital gains from pillar 3a are tax-exempt.
• When your retirement savings are disbursed, they are taxed at a reduced rate, separately from income.

How much you save in taxes depends on your taxable income.

Our tip

As soon as you've saved up about 50,000 francs in your retirement account, open a second account. You can later withdraw your money in staggered amounts and keep the tax burden to a minimum.

Money from pillar 3a and the retirement fund, however, may only be used for financing if you'll be the one living in the property. If financing a vacation property or a second home, you'll not be allowed to withdraw savings from the retirement fund.

If you would like to use the retirement funds as equity, both pillars offer two possibilities:

• When making an advance withdrawal, the money is taken out of your retirement assets.
• When pledging, your retirement assets only act as security and do not reduce your pension payments.  

Advance withdrawal and pledging are possible with money from the occupational pension (second pillar) and the private retirement provision (third pillar).

Our tip

If you're also using pension fund money for the financing, be sure to maintain your pension and death and disability coverage. 

When you save for your home with pillar 3a, you can fulfill your dream of living under your own roof, benefit from tax deductions based on your payments into pillar 3a and get tax-exempt preferential interest rates on your retirement assets.

Get expert advice

There's a lot to consider when financing your home with retirement funds because you don't want to have to make compromises later. Our retirement experts will gladly walk you through the different possibilities in detail and propose financing solutions that will work for you now and when you retire.