{"id":57970,"date":"2026-01-21T08:22:04","date_gmt":"2026-01-21T07:22:04","guid":{"rendered":"https:\/\/www.asga.ch\/?page_id=57970"},"modified":"2026-06-01T06:19:10","modified_gmt":"2026-06-01T05:19:10","slug":"home-ownership","status":"publish","type":"page","link":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/","title":{"rendered":"Home ownership"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"57970\" class=\"elementor elementor-57970 elementor-56914\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4f7798c elementor-section-full_width row-with-no-padding-top content-breadcrumbs elementor-section-height-default elementor-section-height-default\" data-id=\"4f7798c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d612b0\" data-id=\"1d612b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6e6214 elementor-widget elementor-widget-breadcrumbs\" data-id=\"f6e6214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.asga.ch\/en\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b0c45bb elementor-section-full_width row-with-no-padding-top content-titlearea-blue elementor-section-height-default elementor-section-height-default\" data-id=\"b0c45bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3eb4622\" data-id=\"3eb4622\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25623b5 image-box-with-text-fullwidth content-100vw-with-gradient elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"25623b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slider\" dir=\"ltr\" data-animation=\"fadeInUp\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-6cc20cf swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\" aria-label=\"Hand mit Schl\u00fcsseln\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Home ownership<\/div><div class=\"elementor-slide-description\">Financing home ownership through early withdrawal or pledging of retirement capital <\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-219bc52 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"219bc52\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-7d419b9\" data-id=\"7d419b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e4091a has-large-description-style elementor-widget elementor-widget-text-editor\" data-id=\"8e4091a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Would you like to realise your dream of owning your own home and use your retirement capital to do so? An early withdrawal reduces the retirement assets, whereas pledging does not immediately reduce pension benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d12e1e4 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"d12e1e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Downloads<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0ab78 button-download elementor-widget elementor-widget-button\" data-id=\"9a0ab78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/antrag_vorbezug_wohneigentumsfoerderung_e-2\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Application for early withdrawal for home ownership<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d30fe2 button-download elementor-widget elementor-widget-button\" data-id=\"5d30fe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/wohneigentumsfoerderung_e-2\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Information sheet on the use of pension assets for promotion of home ownership<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7bf91b7 content-sidebar-list-wrapper\" data-id=\"7bf91b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-f6d054f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6d054f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f43d37e content-download-list-inner\" data-id=\"f43d37e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d697fba elementor-widget elementor-widget-spacer\" data-id=\"d697fba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfe74d3 elementor-widget elementor-widget-text-editor\" data-id=\"bfe74d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For questions regarding promotion of home ownership:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8890d has-large-description-style elementor-widget elementor-widget-heading\" data-id=\"6f8890d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">+41 71 228 52 52<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abce185 button-with-arrow elementor-widget elementor-widget-button\" data-id=\"abce185\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/?page_id=48934\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kontakformular<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-173a6f9 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"173a6f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-380102e\" data-id=\"380102e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f55597b has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"f55597b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Early withdrawal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bae128 elementor-widget elementor-widget-text-editor\" data-id=\"8bae128\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An early withdrawal leads to a reduction in the pension benefits on retirement, disability or death. It is the insured person\u2019s responsibility to clarify whether the curtailed insurance benefits together with the reduced costs of home ownership are sufficient to be able to maintain an appropriate standard of living. A reduction in risk coverage in the event of disability and death can be offset through a supplementary insurance policy from an insurance company.<\/p><p>Until age 50, the amount of the available capital corresponds to the retirement assets as at 31 December of the previous year plus the vested benefit brought in during the current year. If the insured person is older than 50, they are entitled only to the benefit they had at the age of 50 as a vested benefit or half of the current vested benefit if this amount is higher.<\/p><p>Assets from the pension fund can be withdrawn in advance of retirement for the following purposes:<\/p><ul><li>To construct or acquire home ownership that the insured person themselves will live in permanently. This includes single-family homes or owner-occupied apartments, but not holiday or second homes.<\/li><li>To acquire unit certificates in a housing cooperative or similar scheme if the buyer themselves is to live in the home that they are co-financing.<\/li><li>For the repayment of mortgages on home ownership.<\/li><li>For renovations or alterations to owner-occupied residential property.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0b85da5 elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"0b85da5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7149b1a icon-box-with-text-50vw\" data-id=\"7149b1a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5b30e04 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5b30e04\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63804a9 icon-box-with-text-50vw-inner\" data-id=\"63804a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-860c237 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"860c237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af73869 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"af73869\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56b156f elementor-widget elementor-widget-text-editor\" data-id=\"56b156f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Purchases made in the last 3 years cannot be withdrawn as a lump sum.<\/li><li>An early withdrawal may be claimed every five years subject to the minimum amount of CHF 20,000.00.<\/li><li>If early withdrawals have been made for the promotion of home ownership, voluntary purchases may only be made once the early withdrawals have been repaid.<\/li><\/ul><p>We will notify the Federal Tax Administration directly of the early withdrawal.<\/p><p>Insured persons are required to repay early withdrawals to us if the home is sold.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-89320e6 icon-box-with-text-50vw\" data-id=\"89320e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-ba4ecba elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ba4ecba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3580840 icon-box-with-text-50vw-inner\" data-id=\"3580840\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9802462 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9802462\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129b7b7 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"129b7b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee35f0c elementor-widget elementor-widget-text-editor\" data-id=\"ee35f0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Submit the <a href=\"https:\/\/www.asga.ch\/wp-content\/uploads\/downloads\/formulare\/formulare-e\/antrag_vorbezug_wohneigentumsfoerderung_e.pdf\" target=\"_blank\" rel=\"noopener\">application form<\/a> to us with all the necessary documents.<\/li><li>After your application has been reviewed, in the case of a positive decision you will receive a restriction on sale notice (home ownership in Switzerland) for signature. Asga will charge a fee in accordance with the cost regulations.<\/li><li>When the withdrawal has been made, Asga will have a restriction on sale notice for your property (home ownership in Switzerland) entered in the land register.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-31fd5a2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"31fd5a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a613def\" data-id=\"a613def\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e90c92f has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"e90c92f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pledge<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-836cb59 elementor-widget elementor-widget-text-editor\" data-id=\"836cb59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The insured person may pledge the entitlement to pension benefits or the amount corresponding to the vested benefits for the acquisition of home ownership. Pension cover is not reduced by the pledge unless the pledge has to be realised. Similarly, the pledge is not subject to tax, except in the case of realising a pledge.<\/p><p>Until age 50, the amount of the available capital corresponds to the retirement assets as at 31 December of the previous year plus the vested benefit brought in during the current year. If the insured person is older than 50, they are merely entitled to the vested benefit that they would have received at age 50 or half of the current vested benefit if this amount is higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c64faa3 elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"c64faa3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9779821 icon-box-with-text-50vw\" data-id=\"9779821\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7e7b405 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7e7b405\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0afe57c icon-box-with-text-50vw-inner\" data-id=\"0afe57c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-261830a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"261830a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-942bcd7 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"942bcd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94e5464 elementor-widget elementor-widget-text-editor\" data-id=\"94e5464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Assets from the pension fund can be pledged for the following purpose:<\/p><p>To construct or acquire home ownership that the insured person themselves will live in permanently. This includes single-family homes or owner-occupied apartments, but not holiday or second homes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-746222e icon-box-with-text-50vw\" data-id=\"746222e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-668e650 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"668e650\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6e14b8f icon-box-with-text-50vw-inner\" data-id=\"6e14b8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f57ba1f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f57ba1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdbdcca has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"cdbdcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d7696 elementor-widget elementor-widget-text-editor\" data-id=\"89d7696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Please send the following documents to us: Pledge agreement from the bank, purchase agreement or extract from the land register.<\/li><li>We will charge you a fee of CHF 200.00.<\/li><li>Entry of the pledge will be confirmed by us to the financing bank.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e69e8e1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e69e8e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c7ae9c3\" data-id=\"c7ae9c3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8747474 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"8747474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Repayment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4f307 elementor-widget elementor-widget-text-editor\" data-id=\"7e4f307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Are you planning to repay your early withdrawal for home ownership in full or in part? Please contact us regarding this.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f35baf5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f35baf5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ba3ef6d\" data-id=\"ba3ef6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39b5e6e has-large-title-style elementor-widget elementor-widget-heading\" data-id=\"39b5e6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Also of interest<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b108b1 elementor-widget elementor-widget-blog-post-carousel\" data-id=\"0b108b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blog-post-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"post-items blog-post-carousel\">\n\t\t  \t\n\t\t  \t<article class=\"post-20306 post type-post status-publish format-image has-post-thumbnail hentry category-employee category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/a-co-operative-out-of-conviction\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/a-co-operative-out-of-conviction\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A co-operative out of conviction\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-1536x1024.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">A co-operative out of conviction<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployee, Employer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20249 post type-post status-publish format-image has-post-thumbnail hentry category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/asgaonline-the-practical-easy-way-to-manage-your-companys-occupational-benefits\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/asgaonline-the-practical-easy-way-to-manage-your-companys-occupational-benefits\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1708\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"AsgaOnline: The practical, easy way to manage your company&#8217;s occupational benefits\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-1536x1025.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-2048x1366.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">AsgaOnline: The practical, easy way to manage your company&#8217;s occupational benefits<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20046 post type-post status-publish format-image has-post-thumbnail hentry category-employer category-produkte post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/social-partnership-in-practice-our-association-solution\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/social-partnership-in-practice-our-association-solution\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Social partnership in practice: our association solution\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-1536x1024.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">Social partnership in practice: our association solution<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployer, Produkte\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20002 post type-post status-publish format-image has-post-thumbnail hentry category-employee category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/getting-the-balance-right-our-measures-for-a-healthy-2nd-pillar-over-the-long-term\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/getting-the-balance-right-our-measures-for-a-healthy-2nd-pillar-over-the-long-term\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Getting the balance right: Our measures for a healthy 2nd pillar over the long term\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-scaled.jpg 1707w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-200x300.jpg 200w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-683x1024.jpg 683w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-768x1152.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-1024x1536.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-1365x2048.jpg 1365w\" sizes=\"(max-width: 1707px) 100vw, 1707px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">Getting the balance right: Our measures for a healthy 2nd pillar over the long term<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployee, Employer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t\t\t  \t<\/div>\n\t\t  \t<div class=\"progess-bar\">\n\t\t  \t\t<div class=\"progressbar-inner\"><\/div>\n\t\t  \t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home ownershipFinancing home ownership through early withdrawal or pledging of retirement capital Would you like to realise your dream of owning your own home and use your retirement capital to do so? An early withdrawal reduces the retirement assets, whereas pledging does not immediately reduce pension benefits. Downloads Application for early withdrawal for home ownership [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":57917,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_angie_page":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"20022,20185,20107,20212,20002,20331","_relevanssi_noindex_reason":"","footnotes":""},"class_list":["post-57970","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home ownership - Asga Pensionskasse<\/title>\n<meta name=\"description\" content=\"Financing home ownership through early withdrawal or pledging of retirement capital\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home ownership - Asga Pensionskasse\" \/>\n<meta property=\"og:description\" content=\"Financing home ownership through early withdrawal or pledging of retirement capital\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/\" \/>\n<meta property=\"og:site_name\" content=\"Asga Pensionskasse\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-01T05:19:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-2-1-scaled.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/\",\"url\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/\",\"name\":\"Home ownership - Asga Pensionskasse\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.asga.ch\\\/wp-content\\\/uploads\\\/bilder\\\/stockbilder\\\/asgaonline-2-1-scaled.jpg\",\"datePublished\":\"2026-01-21T07:22:04+00:00\",\"dateModified\":\"2026-06-01T05:19:10+00:00\",\"description\":\"Financing home ownership through early withdrawal or pledging of retirement capital\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.asga.ch\\\/wp-content\\\/uploads\\\/bilder\\\/stockbilder\\\/asgaonline-2-1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.asga.ch\\\/wp-content\\\/uploads\\\/bilder\\\/stockbilder\\\/asgaonline-2-1-scaled.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/home-ownership\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Employees\",\"item\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/employees\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home ownership\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/\",\"name\":\"Asga Pensionskasse\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#organization\",\"name\":\"Asga Pensionskasse\",\"url\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.asga.ch\\\/wp-content\\\/uploads\\\/system\\\/logo\\\/asga_logo-1.svg\",\"contentUrl\":\"https:\\\/\\\/www.asga.ch\\\/wp-content\\\/uploads\\\/system\\\/logo\\\/asga_logo-1.svg\",\"width\":390,\"height\":108,\"caption\":\"Asga Pensionskasse\"},\"image\":{\"@id\":\"https:\\\/\\\/www.asga.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Home ownership - Asga Pensionskasse","description":"Financing home ownership through early withdrawal or pledging of retirement capital","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/","og_locale":"en_US","og_type":"article","og_title":"Home ownership - Asga Pensionskasse","og_description":"Financing home ownership through early withdrawal or pledging of retirement capital","og_url":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/","og_site_name":"Asga Pensionskasse","article_modified_time":"2026-06-01T05:19:10+00:00","og_image":[{"url":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-2-1-scaled.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/","url":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/","name":"Home ownership - Asga Pensionskasse","isPartOf":{"@id":"https:\/\/www.asga.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/#primaryimage"},"image":{"@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/#primaryimage"},"thumbnailUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-2-1-scaled.jpg","datePublished":"2026-01-21T07:22:04+00:00","dateModified":"2026-06-01T05:19:10+00:00","description":"Financing home ownership through early withdrawal or pledging of retirement capital","breadcrumb":{"@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.asga.ch\/en\/employees\/home-ownership\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/#primaryimage","url":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-2-1-scaled.jpg","contentUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-2-1-scaled.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.asga.ch\/en\/employees\/home-ownership\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.asga.ch\/en\/"},{"@type":"ListItem","position":2,"name":"Employees","item":"https:\/\/www.asga.ch\/en\/employees\/"},{"@type":"ListItem","position":3,"name":"Home ownership"}]},{"@type":"WebSite","@id":"https:\/\/www.asga.ch\/en\/#website","url":"https:\/\/www.asga.ch\/en\/","name":"Asga Pensionskasse","description":"","publisher":{"@id":"https:\/\/www.asga.ch\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.asga.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.asga.ch\/en\/#organization","name":"Asga Pensionskasse","url":"https:\/\/www.asga.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg","contentUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg","width":390,"height":108,"caption":"Asga Pensionskasse"},"image":{"@id":"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/57970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/comments?post=57970"}],"version-history":[{"count":10,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/57970\/revisions"}],"predecessor-version":[{"id":60655,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/57970\/revisions\/60655"}],"up":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/57917"}],"wp:attachment":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/media?parent=57970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}