Retirement of assets for better portability

Your dream home depends on whether you have sufficient funds of your own and whether you can afford it.
Affordability is often the reason why it is not possible to buy a house or apartment.
In the past, affordability was a critical factor even with sufficient assets.
Why?
Not all owners want to invest all of their assets for the purchase, but want to retain a portion of their assets.

We have created an additional option for our customers and partners to finance home ownership even if the affordability of the desired mortgage is not given, but sufficient free assets are available.
This may be due to savings.
It can also be due to an early withdrawal from the pension fund.

In such a case, we calculate with the so-called annuitization of free assets.
This means that a certain portion of the assets is added to the income.
For example:

  • One client lacks an annual income of CHF 20,000.
  • However, this client (55 years old) has free assets of CHF 600,000 as a result of savings and pension fund withdrawals.
  • We calculate up to the age of 85.
    This means that the assets of CHF 600,000 will be “annuitized” over 30 years.
  • Part of the assets are taken into account as additional income, even though there is no real additional income.
    In this case, the client would earn an additional CHF 600,000 / 30 years = CHF 20,000 per year, which closes the income gap and ensures affordability.

As you can see, as soon as you have assets at your disposal, we can provide financing even if your affordability is too low. Contact us in any case so that we can fulfill your customers’ dream home.