Pillar 3a offers a new option in 2026
The first catch-up contributions can cover a gap from 2025. Before including them in your property plans, check eligibility and the cash you will need.
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The first year for catch-up contributions
The Federal Social Insurance Office confirms first catch-up contributions in 2026 for gaps from 2025. Conditions include AHV-liable income in both relevant years and full payment of the ordinary contribution in the catch-up year.
Keep the full budget in view
A pension contribution and money available for a purchase serve different purposes. List planned expenses, reserves and project deadlines before deciding on an amount with your advisers.
Review evidence with Vivatax
Prepare contribution statements and information about the year you wish to top up. Ask your pension institution to confirm the conditions. Vivatax can review the evidence and tax treatment within an agreed service.
Understand what gives your property its value.
Market figures provide context. The visit documents your property. The analysis brings the elements together to explain the assessed value.
Current value is based on documented uses, condition and rights. An extension or conversion project is presented separately with conditions to check. This distinction gives you a clear basis for decisions.
Understand our method