Hi.

I've read a lot of threads on this topic but I was not able to get an overall suggestion on the topic.

Is it worth from a financial perspective to withdraw your money from a second pillar to reduce the amortization when buying an apartment, knowing maybe in the future we will not be able to get the lump-sum out of the 2nd pillar?

Thanks for your suggestions
Michele

I think it's mostly just a matter of interest rates. Does the money earn more for you staying in pillar 2 system than it'd save you in mortgage interest +/- taxes and amortization payments if you withdraw it? Only you have the numbers to do this calculation, but I'd guess the answer is probably no and so I'd withdraw

Why is that?

can both spouses withdraw pillar 2 to buy a home?

Be aware of that tax issue.. you'll have to pay 'a lot' (in one lump sum) when you withdraw from your pension

Isn't it the same tax rate as if you were to withdraw a lump sum when you retire? Or is there different rates?

It's the same rate, but varies depending on the amount and on the canton. It's less than standard tax rates, but will hurt. Suggest you enquire at your cantonal tax authority.

And if you've made a pension buyback during the previous 3 years, you will also lose the benefit of the tax deductibility you received.