Pension planning
Third pillar and property purchase: a clear guide to financing well in 2025
Early withdrawal, pledge, taxation and pitfalls to avoid: a practical guide to using your third pillar for a property project in Switzerland.
By Le Prix Malin - 12 November 2025
Using the third pillar without weakening your future strategy
The third pillar can strengthen a property purchase by increasing your own funds, but the choice between early withdrawal and pledge has very different effects on tax, debt level and future pension savings.
The most useful approach is to compare several financing scenarios and not focus only on the immediate transaction. A good decision protects both the property project and the long-term balance of your retirement planning.
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