You are at least 17 years old
You are insured under the primo 1st (state (AHV)) pillar
You are in fixed employment and earn at least CHF 22,680 a year.
If your income is less than CHF 22,680 a year, your employer can insure you voluntarily with a 2nd pillar pension scheme.
If you are self-employed or are working on a short fixed-term contract of no more than three months, you are not obliged to pay contributions, but may decide to do so voluntarily.
To buy a home
The property you buy must be your principal residence
Up to the age of 50 you can withdraw your capital in full
From the age of 50 upwards you can only withdraw part of that capital
You can only apply for an advance withdrawal once every five years
If you are married or living in a registered partnership, you need the consent of your spouse or partner
If you later sell your property, you will usually have to repay the 2nd pillar capital that you withdrew to buy it.
If you become self-employed
You must submit the application to withdraw capital early within a year of becoming self-employed.
You must prove that you have actually gone self-employed, for example with an extract from the Commercial Register or social security (AHV) documents.
If you are married or living in a registered partnership, you need the consent of your spouse or partner.
If you leave Switzerland for good
You are at least 45 years old
Your marriage or partnership lasted for at least five years
You look after at least one child