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Old 24.10.2021, 11:12
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BVG pension withdrawal for building a house in EU?

As a EU national you cannot cash in pension (Pilar 2) when you leave Switzerland but since you could use Pilar 2 in Switzerland to finance a house I wonder if you can do the same in a EU country upon leaving Switzerland?

Any restrictions? You need to reach a certain age? You can actually use it to contract yourself a company for building the house instead of just buying one?
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Old 24.10.2021, 23:02
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Re: BVG pension withdrawal for building a house in EU?

we had some guys doing it sucessfuly in UK when UK was still part of the EU so I think it's possible . Age be most "5 years to retirement" I'd imagine.
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Old 25.10.2021, 09:35
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Re: BVG pension withdrawal for building a house in EU?

Plenty of people has cashed it in. This is where the forum misses Fatmanflims. Have a search on the forum OP. What is relevant is not your nationality, but where you move to when leaving Switzerland. AIUI as a minimum you will be able to take anything above the mandatory contributions. You have to be careful about the tax treatment in the new country. A lot of countries treat it as an income event.
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Old 25.10.2021, 12:41
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Re: BVG pension withdrawal for building a house in EU?

Can you still withdraw your company pension to build a 2nd house in another country I.e UK whilst still living in Switzerland?

My main objective is to drain the cash from pension funds as much as possible, legally off course.
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Old 25.10.2021, 12:49
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Re: BVG pension withdrawal for building a house in EU?

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Plenty of people has cashed it in. This is where the forum misses Fatmanflims.
Where did FF go ? Was Malta not voted as 27th Swiss canton and he had to go due to the EF rules?
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Old 25.10.2021, 13:19
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Re: BVG pension withdrawal for building a house in EU?

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Where did FF go ?
To the Other side of the internet......
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Old 25.10.2021, 13:48
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Re: BVG pension withdrawal for building a house in EU?

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As a EU national you cannot cash in pension (Pilar 2) when you leave Switzerland but since you could use Pilar 2 in Switzerland to finance a house I wonder if you can do the same in a EU country upon leaving Switzerland?

You can cash out your pillar 2, even when going to an EU country. Check out the thread FatManFilms made on that?


I had a discussion with my financial advisor recently and yes, this is still possible under certain conditions, one being when you retire.
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