No, this is not possible. Swiss law requires a minimum 20% down payment (equity) on the purchase price of the property.

Additionally, at least 10% of the purchase price must come from 'hard' equity sources such as personal savings, pillar 3a retirement accounts, or gifts—and cannot be withdrawn from your pension fund (pillar 2).

You can use funds from your pillar 2 pension to cover up to 10% of the purchase price (representing the second half of the 20% equity requirement).

Generally, you can withdraw your entire vested pension balance to purchase your primary residence. Please note: If you're over 50, withdrawal amounts are capped—typically limited to either the balance you had at age 50 or half of your current balance, whichever amount is greater.

Banks assess your stable, recurring gross annual income.

What's included: Your base salary is the primary factor. Bonuses, commissions, and variable income may also be considered, but are typically weighted (such as averaging the past 3 years) to verify their consistency.

What's typically excluded: Highly irregular income, exceptional one-time bonuses, and child/family allowances are generally not included in affordability calculations.

Note: These criteria can vary between banks, so it's worth comparing offers from multiple lenders.

Yes, absolutely. The bank adds up all your fixed monthly expenses to calculate your debt-to-income ratio (affordability).

Your leasing payments, consumer loans, or alimony/child support payments you pay are directly added to your future mortgage payment. If the total exceeds 33% to 35% of your gross income, your borrowing capacity will be reduced accordingly.