News and Guide

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

Published by : dl

Mortgage loans

A mortgage loan is a long-term credit, guaranteed by a right to real estate lien. This credit involves a payment (in theory a one-time transfer of funds) to the debtor. The debtor is responsible for paying interest and eventual amortisations according to the contract terms.

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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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