Re: question on 2nd pillar contribution and 3 years limit
You can withdraw the pension fund, within the stipulated rules, for buying a house and fund the rest with a mortgage and/or with your own cash in whatever combination. Ofcourse, the bank will demand a certain minimum proportion as your contribution (whether pension withdrawal or cash).
Keep in mind the 3 year rule is for voluntary contributions (on top of mandatory) made. These voluntary contributions are tax deductible and hence they want a certain time these are kept in pension fund. Also, be aware that they are treaed as Last-In-First-Out when you withdraw, i.e. 3 years must have elapsed from your last contribution.
The 3 year rule when you leave still applies (AFAIK), may be some one will confirm. If you withdraw before 3 years have elapsed, the Tax Office will recalculate your past tax returns and send you a bill for incremental taxes.