{"id":62447,"date":"2026-01-08T08:09:24","date_gmt":"2026-01-08T07:09:24","guid":{"rendered":"https:\/\/wwwtest.ginesta.ch\/immobilienwissen\/home-ownership-for-retirement\/"},"modified":"2026-06-17T17:58:20","modified_gmt":"2026-06-17T15:58:20","slug":"home-ownership-for-retirement","status":"publish","type":"post","link":"https:\/\/www.ginesta.ch\/en\/immobilienwissen\/home-ownership-for-retirement\/","title":{"rendered":"Home ownership for retirement"},"content":{"rendered":"\n

Thanks to the option of early withdrawal from a pension fund, the approaching retirement is an ideal time to take another close look at buying a home. Not only because it gives you the chance to consider where you\u2019d like to spend your retirement, but also for financial reasons. Anyone considering such a step would be well advised to start looking into it well in advance. <\/h3>\n\n
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There are countless reasons to spend more of your well-deserved time in the beautiful Grisons mountains after retirement\u2014and perhaps even to live here permanently, in the very place where you\u2019ve spent so many mountain vacations. Those who have always lived in the region may simply be looking for something new that better suits their retirement lifestyle. Perhaps a lovely condo without a high-maintenance garden, or maybe a home with more bedrooms so that children and grandchildren can visit at any time. Regardless of whether you\u2019re considering a primary or secondary residence, the question of financing always arises. Unfortunately, certain deadlines apply to the early withdrawal of retirement savings. If you\u2019ve missed these deadlines, you can no longer use your pension fund assets in full to purchase a property until your last day of work. <\/p>\n\n

Your opportunity: early withdrawal of your BVG assets<\/strong><\/p>\n\n

When you retire, you can have at least 25 percent of your accumulated retirement savings paid out. Depending on the pension fund, a larger portion\u2014or even the entire amount\u2014may be paid out. Many pension funds today are happy when people choose a lump-sum payment instead of a pension. However, there\u2019s a major catch: There are always application deadlines for this early withdrawal, which can be as long as three years. If you miss this deadline, you can no longer insist on a lump-sum payment. Therefore, it is clearly advisable to clarify several years before retirement what options you have and how the rules apply in your specific case. <\/p>\n\n

More attractive than a pension for tax purposes<\/strong><\/p>\n\n

Anyone who chooses to receive a pension will pay the full amount of income tax on it for the rest of their life. This adds up over the years, so it\u2019s worth reviewing the payout options, regardless of your future plans. If you decide to take the lump-sum payment, income tax is due only once\u2014in the year of retirement. This is regardless of other income and is subject to a preferential tax rate. This tax rate is regulated at the cantonal level, and in the beautiful canton of Graub\u00fcnden\u2014especially for large BVG lump-sum payments\u2014it is significantly lower than in cantons such as Zurich or Ticino. Moving to the Engadin, the Surselva, or Davos, for example, upon retirement is therefore a wise decision\u2014and not just because of the stunning natural scenery, the fresh air, and the many sunny days. <\/p>\n\n

Your further advantages<\/strong><\/p>\n\n

Those who are in the fortunate position of not having to rely on their monthly BVG pension therefore have the freedom to decide what to do with this capital. You can hardly go wrong by purchasing a property in Graub\u00fcnden, a dream region that is known worldwide and widely appreciated as a tourist destination. After all, homeowners not only enjoy tax advantages, but they also have the assurance of a secure investment and the priceless pleasure of being able to spend their lives within their own four walls for as long as they wish. <\/p>\n\n

Take your chance, talk to a real estate professional<\/strong><\/p>\n\n

Since not only does the early withdrawal of BVG savings require careful planning, but the search for a suitable property\u2014and perhaps the Sales of an<\/span> existing one<\/span> \u2014also takes time, it is advisable to consult a specialist early on.<\/p>\n\n

We will be happy to advise you on your living situation.<\/p>\n\n

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Here’s how to use your retirement to fulfill your dream of owning a home in the Grisons mountains.<\/h1>\n","protected":false},"author":6,"featured_media":132786,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[383,751,726],"tags":[],"class_list":["post-62447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-real-estate","category-real-estate-knowledge"],"acf":[],"featured_image_data":{"title":"ChatGPT Image 11. Juni 2026, 10_46_06","url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/ChatGPT-Image-11.-Juni-2026-10_46_06.png","width":1536,"height":1024,"srcset":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/ChatGPT-Image-11.-Juni-2026-10_46_06-768x512.png 768w","sizes":"(max-width:768px) 768px","type":"image\/png"},"featured_image_url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/ChatGPT-Image-11.-Juni-2026-10_46_06.png","jetpack_featured_media_url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/ChatGPT-Image-11.-Juni-2026-10_46_06.png","readingTime":4,"_links":{"self":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62447","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/comments?post=62447"}],"version-history":[{"count":3,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62447\/revisions"}],"predecessor-version":[{"id":133185,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62447\/revisions\/133185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/media\/132786"}],"wp:attachment":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/media?parent=62447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/categories?post=62447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/tags?post=62447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}