The 20%/10% rule
20% down payment, of which 10% must come from sources other than 2nd pillar (LPP) — cash, 3a, gift, inheritance. CHF 800,000 property = CHF 160,000 down (CHF 80,000 non-LPP).
Sources of funds
Cash and savings (ideal). Pillar 3a (advance withdrawal). Pillar 2 LPP (withdrawal or pledge — not for the 10% cash). Parental gift. Inheritance. Sale of existing property.
Affordability
Affordability test: theoretical 5% interest + amortisation + 1% upkeep < 33% of gross income. CHF 800,000 → ~CHF 52,000/year → CHF 158,000 gross income required.
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