Maximum purchase price

Financing a dream home or apartment generally involves a combination of equity and borrowed capital.

Equity
Savings, capital from your occupational and private pension funds (pillar 2 and 3), a possible advance inheritance or gift all count as equity.

Calculate your equity
You must finance at least 20% of the value of the real estate with your own equity. No more than 10% of this equity can come from your occupational pension.

Borrowed capital (mortgage)
You can finance up to 80% of the value of your property with a mortgage:
67% of the value can be financed in the first mortgage. You don’t have to amortize this amount, i.e., pay it off.
A further 13% of the property value can be financed with the second mortgage. The second mortgage must be amortized within 15 years or by the time you reach retirement age – whichever comes first.