Buying property in Switzerland is a painful topic for most expats living here. The high purchase price, the limited availability, negotiating up instead of down - once you decide to buy property here, you need to be financially and mentally prepared for a long, tough run.
Your dream home, however, might be closer than you think - the good news is you can use your Pillar 2 pension contributions as mortgage collateral. But how can you make sure you still have a decent pension once this is done?
This free consultation from Helvetia will teach you how to plan and save in order to purchase property in Switzerland. You'll learn how to secure your future in Switzerlad and make sure your living standards are maintained even if you use your Pillar 2 pension as collateral.
Who would benefit the most from this free consultation?
If you're a foreigner who's been living in Switzerland long enough to start thinking about planting roots here and purchasing a home, then this is for you.
Why should you book this free consultation?
Well, it's a free consultation with an insurance expert who specialises on the needs of expats in Switzerland.
What do you get from the free consultation exactly?
During your free consultation, you can choose to discuss the topics that interest you and your family the most. It definitely helps to also discuss the following issues, which are recommended by Helvetia:
Understand how to save towards property purchase as well as how to leverage your pension savings or insurance policies to buy property in Switzerland
Get an explanation of how mortgages work in Switzerland and understand the impact of property purchase on pension, savings and tax burden, including how you can reduce your tax burden by property purchase
Get a detailed consultation on the Swiss Pension and Social Security System and how to save for old age, including 3rd pillar pension system, savings, and survivor income protection
Check for gaps in your insurance coverage in case your life circumstances have changed and update insurance policies accordingly
Review your investments, tax benefits, inheritance situation, pension savings options with pillars 3a and 3b, funds account, and mortgage
Review your health insurance situation and get a better understanding of additional coverage
At your request, your Helvetia adviser will also provide you with quotes for ALL insurance types you need.Schedule my free consultation
Find out more about Helvetia
Helvetia is Hello Switzerland's partner of choice for all insurance related issues.
A top Swiss insurer, Helvetia was established in 1858 and now counts 80 agencies throughout Switzerland. At present, Helvetia provides reliable coverage for nearly 1.3 million residents in Switzerland.
Helvetia's expert advisers deal with international people on a regular basis and are uniquely specialized on advising newcomers and handling the intricacies of their relocation timelines.
You will appreciate their personal touch and high level of experience in dealing with the most common issues that international residents encounter in Switzerland.
Your benefits when you choose Helvetia
In-depth knowledge of expat needs
Book through Hello Switzerland to reach Helvetia insurance advisers who are English-speaking and perfectly understand the complex situation of internationally mobile professionals.
Official documents in English
All insurance documents are available in English, so no worries if you don't speak the local Swiss language.
All insurances in one place
Helvetia provides consultancy on ALL insurance types. While some insurers specialise only on health insurance and others on other types of insurances, Helvetia will provide consultancy and quotes for all insurance types.
Direct line to your Helvetia adviser
At Helvetia you are assigned a personal adviser available to you, when you need it. Your adviser knows your personal history and is able to consult on what changes are more beneficial to you, as your situation changes.
Excellent claims service
Helvetia is well-known in Switzerland for their ultra fast claim response. Most claims are usually covered within 48 hours, which can be a great relief if you are in a tricky situation or far from home.
«I used to be an expat myself, having lived in the UK for many years, my wife is also an expat in Switzerland, so the expat life is extremely familiar to me. The department I lead counts more than 30 insurance professionals, all proficient in English and all specialized on the insurance needs of expats in Switzerland.’»
Head of Helvetia Expat Services in Switzerland
Last-but-not-least, some important details to help you plan better
How long does the consultation take?
Helvetia advisers suggest you should reserve around 1 hour for this consultation. Depending on your questions and needs, however, it can take anywhere from 30 to 90 minutes.
Take your time. Insurance is an important topic and it's best to clarify everything from the start.
Where will the meeting take place?
You can meet your Helvetia adviser wherever it suits you. You can talk on the phone, arrange a video call or meet at your office. You're also welcome to come to your local Helvetia office - rest assured, COVID safety processes are in place.
Ready to get one step closer to your dream home?Schedule my free consultation
Is this consultation not the right thing for you? No worries, we have you covered.
If you've just landed in Switzerland, take a look at the free Just Landed Insurance consultation (for foreigners who have just arrived in Switzerland), schedule a free Insurance Check-in (for international residents who have been living here for at least 2 years), or a free Company start-up consultation, if you're thinking to start your own business in Switzerland.