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How to pay back the advance withdrawal for home ownership?

We own a condo that we use ourselves. For the purchase we have used his time on the pension Fund money back my wife to work after she had stopped. This funding is deposited with a corresponding note in the land registry. Now my wife is gone to work, and so we could afford the amount of the advance withdrawal to the pension Fund to repay. Us is not but clear whether or not they must reimburse the return and how the tax is handled. Also, we would like to know how we must proceed to clear the land.

you can be assured that your wife will have to pay back the advance withdrawal is neither the Time, nor do you have to pay back everything. It is a voluntary repayment, this is generally up to three years before the retirement age.

your wife is allowed to decide for themselves how much they pay back into their pension Fund, and you can do this in tranches. It would have to be at least 10'000 Swiss francs at a Time. Until in the autumn of 2017, the minimum amount was 20'000 Swiss francs. The Federal Council has lowered it in the hope to encourage repayment.

as soon As the pension Fund has to receive a refund, confirmed this with the official form of the Federal tax administration. So that your wife can call back within three years, the taxes you need to pay on the advance withdrawal. The request is sent to the same tax authority, which has levied the taxes for the early withdrawal. The deadline is essential, because otherwise the entitlement to a refund is forfeited.

you Should Deposit your woman in fact everything in the cash, which has received a prepayment, you can leave the note in the land register, the so-called disposal limit, delete. Some pension funds apply for the cancellation. Without repayment of the advance withdrawal, the entry in the land register can be deleted at the earliest, three years before the retirement age.

Andrea Fischer answered your questions to the employment law, consumer law, social security law and family law. Send them to

(editing Tamedia)

Created: 10.12.2018, 10:20 p.m.

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