Stephanie Cuche, Steuern und Finanzplanungen
+41 (0)31 311 62 39 stephanie.cuche@invethos.ch
Indirect amortization
When we buy our own home, very few people in Switzerland can cover the costs out of our own savings - we need a mortgage. Mortgage creditors grant up to 80% of the purchase price as a mortgage, 20% must be borne from your own funds. Two-thirds of the purchase price is considered a so-called first mortgage, for which there is no obligation of repayment. The difference between this first mortgage and the equity is called the second mortgage, which must be repaid within 15 years, or by retirement at the latest. There are two alternatives to repay this part of the mortgage:
Women and Pension Planning
There is often a large gap between the pensions of men and women in Switzerland. This happens, for example, when mothers maternity leave take a break in their employment to take care of their families. This is more often the case in the generation that is now thinking about retirement.
We advise individuals and legal entities on all legal matters around wealth management and are a pioneer in impact investing, which is part of our entrepreneurial identity.
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