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I am looking to buy an apartment at around CHF 1,000,000.
I have 10% in my own funds and 10% in the pension fund.
Can I take a mortgage with 20% down for an apartment that I would like to rent it out?
Hi there,
Swiss retirement savings must not be used for investment property. Consequently, you may not use money from the pension fund for a property that you rent out.
Furthermore: Even for owner-occupied residential property, a total equity of 20 per cent would be very tight. This is because within a maximum of 15 years you would have to be able to fully amortise the second mortgage of approximately 150,000 Swiss francs.
Best regards from Moneyguru
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