Whether you can afford your own home depends on how much equity and income you have. We can show you how to achieve your savings targets more quickly so you can make your dream of a self-determined life in your own home a reality.

Quick ways to save up for your own home

There are a number of ways you can accumulate assets. The rule of thumb is: the sooner you start saving, the sooner you will achieve the sum you want. 

The 3rd pillar of the pension system comprises private provisions. It enables you to accumulate assets as well as offering many other benefits.

Pillar 3a
Pillar 3a assets are referred to as “tax-qualified provisions”, as they are tied up until you retire. However, there is an exception: you can use your third-pillar capital to finance owner-occupied residential property. It then forms part of your equity.

If you are in employment, you can pay a maximum amount of CHF 6833 into pillar 3a every year. As a self-employed person without a pension fund you may pay in 20% of your net income, up to a maximum of CHF 34 416 per year. Married couples can pay in double the amount, but into two accounts. The main wage earner may also pay in the spouse’s allowance.

Pillar 3a is also tax-privileged. You can fully deduct the amount paid in, and thus save up to CHF 2000 in taxes a year. At the same time, you are preparing for your retirement with pillar 3a.

Learn more about our pillar 3a solutions 

Pillar 3b
Pillar 3b assets are referred to as “non tax-qualified provisions”. Your capital in this pillar is not tied up and can take many different forms, such as insurance policies, securities, funds or savings accounts. You can deposit the amount you have saved in pillar 3b as collateral when you buy your own home. At the same time, you can insure such risks as disability and death.

Learn more about our pillar 3b solutions 

Ten percent of your accumulated equity may consist of pension fund  assets, i.e. the 2nd pillar. You can also make voluntary purchases in this pillar. You can accumulate your pension fund assets, which you can then use to buy your own home.

Your pension certificate shows the amount of voluntary purchases you are allowed to make in your particular case.

Find out how to properly read your pension certificate and everything you need to know about voluntary purchases.

You can also invest in an investment solution in order to benefit from higher interest rates and earnings
opportunities. To do so, you should first determine with your advisor the optimum investment strategy for you. “Optimum” means an investment that precisely meets your personal needs for returns, security and availability. It is also important that the system adapts when your needs change. 

When saving for your own home, it is also important to know when the money from the investment will be available. As a rule of thumb: the longer the period until payment is made, the greater the possible price fluctuations. With investment solutions you can also save up by making regular small deposits.

Find out more here about investing or get a direct overview of our investment solutions.

Determine your monthly savings potential

To determine your monthly savings amount,  you should first draw up a budget plan. This gives you an overview of your monthly fixed costs and how much money you need for variable costs. This includes, for example, visits to the dentist or car repairs. In that way, you can see how much you have left over at the end of the month that can be saved for your own home.

Our savings products

We offer a variety of saving solutions for your personal asset accumulation – with or without coverage. You determine the amount of security yourself.

How we can help you make your dream of owning
your own home come true.

We will show you the best way to save for your own home in a personal meeting. Your benefits:

  • Together with you, we draw up a budget plan and determine your additional optimisation options.
  • We'll show you how to save for your future home in a tax-optimised manner.
  •  We can explain other sources of financing for your home. 
  • We can support you in drawing up a savings plan to enable you to realise your dream of owning your own home more quickly.

We will be pleased to answer your questions.

Monday-Friday from 9 a.m. to 6 p.m.

Free consultation

Our experts at Swiss Life and Swiss Life Select would be happy to advise you on the savings op-tions for your mortgage – at a location of your choice or online by video.

Additional articles of interest


The dream of home ownership: how to raise equity

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Pillar 3a for home ownership: key questions & answers

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Turning your dream of owning a home into reality: How you can afford your own home

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