The 3rd pillar isn't only a retirement tool: it can also help you gather the equity needed to buy your home.
Each option has tax and retirement consequences. The right choice depends on your age, your income and your property project.
We quantify the impact of each solution on your equity, your taxes and your pension, so you can decide with full knowledge.
Yes, a mixed approach is often the most relevant. We calculate the optimal balance for your situation.
To buy your main residence, you must provide at least 20% equity, half of which (10% of the price) must come from sources other than your 2nd pillar. The 3rd pillar, however, can be used without this restriction, making it a valuable tool for gathering the deposit.
An early pension withdrawal is taxed, at a reduced rate and separately from the rest of your income. Pledging, by contrast, triggers no immediate tax but increases your mortgage debt. The right trade-off depends on your age, your income and your time horizon.
Yes, subject to conditions and at regulated intervals, in particular to pay down your loan. We plan these withdrawals to maximise their effect.
We analyse your situation and guide you to the best decision.
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