Pledge
Using assets (pillar 3a, securities) as collateral for the mortgage.
Pledging (nantissement) involves placing assets — typically a pillar 3a account or a securities portfolio — as collateral in favour of the bank as additional security for the mortgage.
Unlike a withdrawal, pledged funds remain invested. This allows you to maintain the tax advantages of pillar 3a while using the assets as security.
Pledging can increase the equity recognised by the bank, but does not replace the requirement for a minimum of 10% equity outside the 2nd pillar.
In the event of non-payment of the mortgage, the bank may realise the pledged assets.
Related terms
Equity / Down payment
Personal funds required for a property purchase.
Pillar 3a
Tax-advantaged tied pension savings, usable for mortgage and tax-deductible.
LTV / Loan-to-value
Ratio between the loan amount and the property value.
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