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The capital advance can revenge

The seemingly loose house financing fool with the savings of the pension Fund. The law allows it to take money from the second pillar to Finance a home of their Own. This early withdrawal of the retirement capital, aspiring home-owners to make active use of it. However, many a pay the money later, not to return to the pension Fund, which reduces the pension.

the reduction of The pension is easy to calculate: Is the conversion rate of 5 per cent of 100000 CHF pension Fund capital, to an annual pension of 5000 francs. So if your from the second column of 100000 Swiss francs, is detrimental to his annual pension of 5000 francs. The pension Fund provides information on the amount of the conversion rate.

old money

Many a one thinks that he can compensate for the pension reduction, because he pays thanks to residential property, no rent, more missing. But this is unfortunately not always the case. Firstly, the residential owner must pay tax on according to current law, the self-rental value as income. This tax burden for pensioners significantly, as they have to manage to work with significantly less money. Secondly, significant maintenance costs always fall back on, in part. Whom only a small pension that comes with such expenditure is financially quickly to the stop. And who must, thirdly, to Finance the retirement age is a mortgage , is prepared increases with a low pension income bad against interest. In addition, there are other expenses such as health costs can strain the Budget.

Therefore, it is advisable to examine Alternatives to the capital amount of the advance withdrawal. One of them is the attachment. In the process, the owner assigns the claim to his old capital to the Bank that provides the mortgage. The Bank may access the pension Fund money, if the homeowner is no longer able to meet its financial obligations. The attachment has compared to the amount of the advance withdrawal has the advantage that the pension is not reduced.

High retirement capital

In the case of a seizure, seek the interest on the interest will be credited to the retirement savings capital continues, which is increasing faster. Mario Bucher, pension expert at Pensexpert, calculates how much the interest rate interest rate accounts: in accordance with the occupational Pension scheme prescribed minimum interest rate from the current level of 1 percent is out of 100'000 Swiss francs within ten years, over 110'000 Swiss francs. Or in other words: At a reference of 100'000 francs to the house financing a minimum of 10'000 francs in ten years of interest lost. Also married couples recommends Bucher in General, a high old-age savings capital as in the case of a death of the Partner or the Partner financially better protected.

another Alternative to the capital advance, the in-house financing through the column 3a is, if there is enough capital saved up. There is also the variant of the indirect payback: the owner of The house undertakes, a tax benefit in a pillar 3a account, in regular intervals, the mortgage is amortized.

(editing Tamedia)

Created: 13.05.2019, 19:47 PM

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