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    Frequently asked questions about the Strike offer

    1Is it possible to buy a property with less than 20% equity?
    Yes, depending on the financial capacity it is possible to bring in less than 20% of equity. A contribution of only 10% may be sufficient if the buyer provides additional collateral to the lending institution such as pension fund assets, 3rd pillar A assets, or surrender values from life insurance policies. However, the 10% equity capital must not come from the 2nd pillar.
    2Am I obliged to withdraw my 2nd pillar (pension fund) to buy a property?
    If your financial capacity allows it, it is possible to pledge your pension fund. In this case, you do not have to withdraw it and do not have to pay tax on the capital. This solution also allows you to keep your pension capital and risk coverage intact.
    3Is it possible to find financing if my charges exceed 33% of my income?
    Yes, it is possible to find financing when your expenses exceed 33% of your income. For the same financial situation, not all institutions take the same parameters into account when calculating the granting of a loan. This can have a significant impact on the cost/income ratio. As each situation is unique, we recommend that you seek the advice of an expert to help you make the right decision.
    4Should the interest rate be the main factor when choosing my mortgage?
    The interest rate of the mortgage is very often considered the most important parameter in the choice of mortgage and financial institution, but it is far from being the only one. Some institutions will be able to lend you more than others, some will allow you to amortize a smaller part of the mortgage, others will not penalize you if you terminate early (in case of resale for example). The lowest rate is therefore not always the best deal and you should consider your options carefully before making a decision that binds you for many years.
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