What are the requirements for a real estate pension?

Real estate pensions are only possible for properties with a market value of at least one million francs and that are in a good condition. They are not possible if you need to carry out major renovations. Your existing mortgage should be low enough so that after topping it up to a usual maximum of 50 percent of your property’s market value and deducting interest costs for the entire term of the new fixed-term mortgage, you have enough money left to use as required. You should also be at least 65 years old. Real estate pension mortgages usually have a term of 10 or 15 years, meaning retirees can continue to live in their homes until around the age of 80.


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