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| You would be extremely hard pressed to find any lender in Switzerland who would accept only 10% deposit, assuming there's no pension pledge or something along those lines. They are bound by government regulations. | |
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I‘m sure you can pledge your portfolio at a reasonable LTV and put zero cash down, so long as it isn‘t all your pension - at least 10% has to come from non-pension funds.
E.g. 1m property requires 200k deposit. 200k can be 200k cash or it can be 100k cash and 100k pension (either withdrawal or pledge). Or more interestingly if you have a portfolio you can pledge that at say 60% LTV, so with a 300k portfolio that‘s 180k and only 20k cash.