{"id":2473,"date":"2025-06-25T12:37:22","date_gmt":"2025-06-25T12:37:22","guid":{"rendered":"https:\/\/invexa.ch\/?p=2473"},"modified":"2025-06-30T09:46:16","modified_gmt":"2025-06-30T09:46:16","slug":"devenir-proprietaire-en-suisse-sans-fonds-propres","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/real-estate\/becoming-a-homeowner-in-switzerland-without-equity\/","title":{"rendered":"How to Become a Homeowner in Switzerland Without Equity?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2473\" class=\"elementor elementor-2473\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1881065 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1881065\" 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-be88124\" data-id=\"be88124\" 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-fa80541 elementor-widget elementor-widget-heading\" data-id=\"fa80541\" 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\">Is it possible to become a homeowner in Switzerland without equity capital?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6375dd1 elementor-widget elementor-widget-text-editor\" data-id=\"6375dd1\" 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>In Switzerland, the acquisition of real estate through a <strong><a href=\"https:\/\/invexa.ch\/en\/real-estate\/3rd-pillar-property-purchase\/\">mortgage<\/a><\/strong> generally requires a personal contribution of at least <strong>20 % of purchase price<\/strong>part of which is in cash. This is a major obstacle for many households. However, there are a number of alternatives that make home ownership possible even in the absence of traditional equity capital:<\/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-3d1e040 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3d1e040\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Use of pension assets (BVG, 3rd pillar)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pledging an existing property<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Advance on inheritance or donation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Third-party loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cooperative bond<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-1a628ed elementor-widget elementor-widget-text-editor\" data-id=\"1a628ed\" 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 class=\"translation-block\">This 20% equity rule aims to limit the <strong>risks<\/strong> associated with debt, both for borrowers and financial institutions. By requiring a personal contribution, banks ensure that the buyer has a minimum <strong>savings capacity<\/strong> and a certain level of financial stability. This helps reduce the risk of default and contributes to preventing overheating in the real estate market by avoiding overly easy access to credit.<\/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-f7b24d2 elementor-widget elementor-widget-heading\" data-id=\"f7b24d2\" 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\">1. Use of pension assets<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea53f2f elementor-widget elementor-widget-text-editor\" data-id=\"ea53f2f\" 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 class=\"translation-block\">Pension assets can be used in several ways to become a homeowner, either through pledging or withdrawal, via the <strong><a href=\"https:\/\/invexa.ch\/en\/pension\/2nd-pillar\/\" target=\"_self\">2nd pillar<\/a><\/strong> or the <strong><a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-le-guide-complet\/\" target=\"_self\">3rd pillar<\/a><\/strong>.<\/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-1b7ef32 elementor-widget elementor-widget-heading\" data-id=\"1b7ef32\" 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\">Pledging<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72bb943 elementor-widget elementor-widget-text-editor\" data-id=\"72bb943\" 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 class=\"translation-block\">Pledging consists of using your pension assets (3rd or 2nd pillar) as a <strong>guarantee<\/strong> to obtain a higher mortgage, <strong>without withdrawing<\/strong> the funds. This solution allows the buyer to offset a lack of liquidity while keeping their <strong>pension capital<\/strong> intact, thus avoiding a loss of benefits in the event of disability.<\/p><p>In concrete terms, the bank records the assets as <strong>warranty<\/strong> and the conditions are similar to withdrawal. The main advantage is <strong>tax<\/strong>pledged assets remain invested and continue to generate income. <strong>interest<\/strong> or <strong>yields<\/strong>. On the other hand, this often means <strong><a href=\"https:\/\/invexa.ch\/en\/financing\/mortgage\/swiss-mortgage-rates\/\">interest rate<\/a><\/strong> higher, as the lending institution assumes greater risk. It is therefore essential to verify the lender's ability to cover long-term costs.<\/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-2b8d316 elementor-widget elementor-widget-heading\" data-id=\"2b8d316\" 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\">EPL withdrawal<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c56372 elementor-widget elementor-widget-text-editor\" data-id=\"6c56372\" 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 class=\"translation-block\">The <strong>EPL withdrawal<\/strong> (Encouragement of Home Ownership) allows the use of pension assets to directly finance the purchase of a primary residence. It applies to funds from the <strong><a href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\" target=\"_self\">3rd pillar (3a)<\/a><\/strong> and the <strong><a href=\"https:\/\/invexa.ch\/en\/prevoyance\/retirer-son-2eme-pilier-en-capital-tout-ce-que-vous-devez-savoir\/\" target=\"_self\">2nd pillar (LPP)<\/a><\/strong>. Unlike pledging, the capital is actually <strong>withdrawn<\/strong> from the account or pension fund to be used in financing the property.<\/p><p class=\"translation-block\">In the case of the 2nd pillar, the withdrawal is possible up to the age of 50 for the entire amount saved. Beyond that age, the amount is limited. This withdrawal is subject to <strong><a href=\"https:\/\/invexa.ch\/en\/pension\/swiss-2nd-pillar-withdrawal-conditions\/\" target=\"_self\">conditions<\/a><\/strong>: the property must serve as the main residence, and spousal consent is required. For the <strong><a href=\"https:\/\/invexa.ch\/en\/prevoyance\/conditions-retrait-3eme-pilier-a\/\" target=\"_self\">3rd pillar tied (3a)<\/a><\/strong>, the capital can also be withdrawn under the EPL framework, provided it is used for the purchase, construction, or amortization of the mortgage. The <strong><a href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\" target=\"_self\">3rd pillar flexible (3b)<\/a><\/strong> is not regulated by law but can be used freely, for example by redeeming a life insurance policy.<\/p><p>This option increases financing capacity, but comes at a cost: each withdrawal reduces future pension benefits (retirement, disability, death) and entails immediate taxation of the withdrawn capital, at a preferential but not negligible rate.<\/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-4cd8b69 elementor-widget elementor-widget-heading\" data-id=\"4cd8b69\" 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\">2. Pledging an existing property<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d31acf elementor-widget elementor-widget-text-editor\" data-id=\"5d31acf\" 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 class=\"translation-block\">If you or a relative already own a property, it can be used as a <strong>guarantee<\/strong> for the purchase of a new home. This involves <strong>pledging<\/strong> an <strong>existing property<\/strong>, either partially or entirely, in order to convince the bank to grant a mortgage without requiring cash equity.<\/p><p class=\"translation-block\">This setup is based on the <strong>net residual value<\/strong> of the property used as collateral: the lower the remaining mortgage, the higher the pledgeable value. For example, if a property worth <strong>CHF 800,000<\/strong> has only CHF 300,000 left on the mortgage, the <strong>difference<\/strong> (CHF 500,000) can be used as coverage to secure a second loan.<\/p><p>This strategy is particularly well suited to families (parents wishing to help their children) or to investors who already own a property. However, it requires a rigorous analysis of the overall financial situation, as it increases exposure to risk in the event of a fall in property value or repayment difficulties.<\/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-e3c3f7f elementor-widget elementor-widget-heading\" data-id=\"e3c3f7f\" 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\">3. Inheritance advance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-030e927 elementor-widget elementor-widget-text-editor\" data-id=\"030e927\" 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 class=\"translation-block\">An advance on inheritance allows a parent to transfer part of their <strong>future estate<\/strong> to a child during their lifetime, in order to help finance the purchase of real estate. This amount can be used to cover all or part of the equity required by the bank. The operation is often considered an early <strong>gift<\/strong> and should ideally be formalized through a notarized deed to prevent any future disputes among heirs.<\/p><p>It's an advantageous solution from a tax and inheritance point of view, facilitating access to property while optimizing the transfer of assets. However, it is essential to inform the other heirs, as the advance on inheritance will in principle be included in the estate, unless otherwise stipulated. Clear, transparent planning is therefore essential.<\/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-4334d71 elementor-widget elementor-widget-heading\" data-id=\"4334d71\" 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\">4. Third-party loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3c7f8 elementor-widget elementor-widget-text-editor\" data-id=\"6b3c7f8\" 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 class=\"translation-block\">When a buyer does not have the required equity, a <strong>loan granted by a third party<\/strong> (often a family member or close friend) can be a temporary alternative to complete the down payment. Unlike a gift or an advance on inheritance, this involves a <strong>repayable amount<\/strong>, usually interest-free or offered under favorable terms. This solution can help finalize the financing, provided the third-party lender has sufficient financial capacity and is willing to accept the associated risks.<\/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-f9aad77 elementor-widget elementor-widget-heading\" data-id=\"f9aad77\" 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\">5. Cooperative bond<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f585408 elementor-widget elementor-widget-text-editor\" data-id=\"f585408\" 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 class=\"translation-block\">The surety is a solution that allows a guarantee cooperative (recognized by the Confederation) to <strong>act as guarantor<\/strong> with the bank on behalf of a borrower. This means that if the borrower fails to repay the loan, the cooperative agrees to <strong>cover part of the risk<\/strong>, up to a maximum of <strong>CHF 1,000,000.\u2013<\/strong>. This mechanism is primarily used by SMEs, particularly to help them obtain financing when starting a business, making an investment, or handling a succession.<\/p><p class=\"translation-block\">In the context of homeownership, such a structure can, in some cases, intervene to guarantee part of the <strong>mortgage loan<\/strong>, when the buyer does not have sufficient equity but demonstrates a sound financial situation. The application process involves several steps (form, interview, solvency analysis), and the surety thereby facilitates the granting of credit by the bank by reducing the perceived risk.<\/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-6f605ca elementor-widget elementor-widget-heading\" data-id=\"6f605ca\" 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\">What to look out for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-912b7f0 elementor-widget elementor-widget-text-editor\" data-id=\"912b7f0\" 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>Before embarking on a property purchase without equity, it's essential to carefully assess your long-term financial capacity. A mortgage burden that is too high, or an unexpected drop in income, can quickly jeopardize the household's financial equilibrium. What's more, some solutions, such as withdrawing from pension provision or relying on third parties, involve a reduction in social protection or obligations to family and friends.<\/p><p>It is therefore strongly recommended to seek the support of an independent financial advisor, in order to measure risks, compare options and build a solid, sustainable project.<\/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<\/div>","protected":false},"excerpt":{"rendered":"<p>At first glance, it may seem impossible to become a homeowner in Switzerland without any funds of your own. In principle, the Swiss mortgage system requires a minimum deposit of 20 % of the purchase price. However, there are a number of strategies that can help you get around this requirement.<\/p>","protected":false},"author":1,"featured_media":2476,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[45],"tags":[],"class_list":["post-2473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=2473"}],"version-history":[{"count":0,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2473\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/2476"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=2473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=2473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=2473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}