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Old 07.05.2014, 00:22
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Ahv and hypotheke(mortgage)

We found a house to buy in Swiss. For the mortgage
(hypotheke )we have to pay 20% of the sum.
Usually few years ago , there was the possibility to pay 10% with your own saved money and the other 10% from Ahv pensionskasse. Today we went to bank to apply for this mortgage but... surprise! They don't do that anymore, they don't use the AHV option!!!! And they said there are very few banks who still accept this. How can i find those banks? I've already called and asked 4 Banks. Anybody knows why this is so different now?
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Old 07.05.2014, 09:12
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Re: Ahv and hypotheke(mortgage)

No issue with UBS or Credit Suisse (in February this year)
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Old 07.05.2014, 09:29
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Re: Ahv and hypotheke(mortgage)

As stated above this was an option with Credit Suisse,and UBS but also with Valiant and BCN ( Banque cantonal neuchateloise) last year when we got our mortgage. We didn't use it but the possibility was there assuming you mean using the second pillar pension fund when you say ahv.
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Old 07.05.2014, 10:37
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Re: Ahv and hypotheke(mortgage)

Yes, you could never use assets with the AHV. You can only use your accumulated funds in your private pension, your second pillar. The rules are quite restrictive.

http://www.beobachter.ch/fileadmin/u...hneigentum.pdf
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Old 07.05.2014, 10:39
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Re: Ahv and hypotheke(mortgage)

if you want excellent advice, you can contact: http://www.vermoegenszentrum.ch

good luck!
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Old 07.05.2014, 14:24
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Re: Ahv and hypotheke(mortgage)

Here is quite a recent guide on financing property purchases (16.12.2013 german). There is an increasing strictness in the application of the amount and form of the required deposit . . . link


You can play with the calculator here to get some idea of the affordability and see some deals . . .
http://en.comparis.ch/hypotheken/hypothekenrechner.aspx
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