For employees: Promotion of home ownership

Would you like to use pension fund assets for financing home ownership?

Since 1 January 1995, it has been possible to withdraw or pledge savings capital from the pension fund for owner-occupied residential property. 

When can you draw pension funds for financing home ownership?

Under certain circumstances, pension funds can be used to repay an early withdrawal or to purchase or pledge residential property. Find out more by consulting the fact sheet Promotion of home ownership (PDF). 

On the fact sheet you will find:

• Legal bases
• Purpose: Home ownership, mortgages, value-enhancing investments
• Requirements for early withdrawal and pledge of assets
• Special regulations/administrative details: age restrictions, application procedure
• Consequences of early withdrawal: effects on pension, taxes, repayment
• Pledge of assets: advantages, pledge agreements, tax exemption
• Realisation of pledged assets: taxes, reversal of buy-ins
  
  

Procedure

Early withdrawal to finance home ownership:

1. Complete the form Application for advance withdrawal (WEF) (PDF).
2. Send us the form by postal mail. You will also find the address on the form.
   Note: Alternatively, you can find the address on the address sheet (PDF).

Transfer or repayment of early withdrawal for financing home ownership:

1. Complete the form Transfer/repayment of early withdrawal for home ownership (PDF).
2. Send us the form by postal mail. You will also find the address on the form.
   Note: Alternatively, you can find the address on the address sheet (PDF).

Pledging of assets for promotion of home ownership:

1. Fill out the form Application for pledging of assets (PDF).
2. Send us the form by postal mail. You will also find the address on the form.
   Note: Alternatively, you can find the address on the address sheet (PDF).