News and Guide

News from DL MoneyPark and information on the financial market and Swiss romande real estate

Published by : dl

Life insurance (unrestricted private plan 3b)

Surrender values of unrestricted life insurance policies can be withdrawn or pledged as equity. No tax is levied.

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Third party loans

A third party loan could come from a family member or friend. Certain employers also allocate loans to their employees. Drafting a written contract is esstential to avoiding conflict later on. The duration and interest rate of the loan need to be determined. You should know that the interest rate could be less than the one in effect.

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Increase in a friend or relative's debt

A friend or relative is already a property owner and has paid off a portion or his or her debt. You can increase this person's debt to raise cash for your personal equity. Your friend or relative will suffer no damage because you will be the one who pays the extra interest. Here, too, it is important to check the tax implications for all parties concerned.

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Building lot

When it comes to construction, the land plot that you already own through purchase, donation, advance on estate or by whatever other means is considered a part of your equity. The purchase price or market value of this land, reduced by potential debt, will be retained.

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Do-it-yourself work

During construction or renovation, you might choose to do some of the work yourself. This work can be considered, either entirely or partially, as part of your personal equity.

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Lack of personal equity

Despite all of your efforts, you still lack personal equity. What can you do? What options do you have to move forward with your project?

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Should you invest all of your personal equity?

What to do if your equity exceeds 20% + 5%? Should you invest everything or only the required minimum?

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Withdrawing or using the LPP as collateral

What are the advantages of using pension funds as collateral? What are the rules for withdrawing or using the 2nd pillar as collateral?

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Right of pre-emption

The right of pre-emption gives its holder preference in buying a particular property should the owner wish to sell it to a third party.

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Right of redemption (repurchase option)

The right of redemption entitles the seller to repurchase, at a given time and under specified conditions, a property that they have sold.

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