Direct vs. Indirect Amortization
Compare repaying the mortgage directly or paying into a pillar 3a account.
- Net interest cost, direct
- CHF 110’376
- Net interest cost, indirect (after 3a tax saving)
- CHF 65’321
- Indirect saves
- CHF 45’055
- Check: 3a limit exceeded?
- Yes, above CHF 7,258
Learn more
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Swiss voters decided to abolish the imputed rental value. Here is what it means for taxes and mortgages.
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