Mortgage amortisation: direct vs indirect
Direct amortisation: Reduce capital directly — simpler but not always tax-optimal.
Indirect amortisation: Deposit equivalent into 3rd pillar (3a) — allows deducting mortgage interest and 3rd pillar contributions.
Best choice depends on your tax rate, mortgage rate and retirement goals.
This content is educational and does not constitute personalised financial advice under FINMA regulations. For a tailored recommendation, book a consultation.
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