What are the conditions for early withdrawal for the promotion of home-ownership?

What are the conditions for early withdrawal for the promotion of home-ownership?

In the event of a withdrawal of retirement provision assets for the promotion of home-ownership, the following aspects should be taken into account.

  • The property must be for your personal habitation.
  • The minimum amount is CHF 20,000 and there must be at least five years between two early withdrawals.
  • If you have made a purchase into the pension fund, you cannot make an early withdrawal for at least three years.
  • Under 50s can withdraw their entire retirement provision balance; over 50s can withdraw a maximum of half or the amount of the retirement provision balance upon their 50th birthday.
  • The promotion of home-ownership abroad is possible, provided that the property will be lived in by you and it is your main residence.
  • The payment of the early withdrawal becomes possible from three months before the transfer of ownership of property.
  • The capital withdrawal taxes due cannot be paid with the money from the early withdrawal.
  • The property cannot be sold to a person who is not a beneficiary under pension law until an early withdrawal has been repaid in full.
  • In its regulations, the pension fund can stipulate that pledging, early withdrawal and repayment may be time-limited, reduced with respect to amount or refused entirely for the duration of any coverage deficiency.
Im­pro­ving retirement provision

Pension advice for private individuals

It pays to plan early

Based on an individual pension analysis, we show you how you can plan your retirement provision at an early stage and fill any pension shortfalls. So that you can look forward to the third stage of your life confidently.