{"id":291,"date":"2026-07-28T09:41:25","date_gmt":"2026-07-28T09:41:25","guid":{"rendered":"https:\/\/invexa.swiss\/?p=291"},"modified":"2026-08-24T13:37:31","modified_gmt":"2026-08-24T13:37:31","slug":"3rd-pillar-property-purchase","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/3eme-pilier-pour-achat-immobilier\/","title":{"rendered":"3\u00e8me pilier pour achat immobilier"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"291\" class=\"elementor elementor-291\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc8806 e-con-full e-flex e-con e-parent\" data-id=\"1fc8806\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8ff9e9 e-con-full e-flex e-con e-child\" data-id=\"a8ff9e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d011eb e-con-full e-flex e-con e-child\" data-id=\"3d011eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bb91a7 elementor-widget elementor-widget-heading\" data-id=\"7bb91a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">En bref : Utiliser son 3e pilier pour un achat immobilier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faa7783 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"faa7783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le r\u00f4le des fonds propres :<\/strong> Le 3e pilier (3a comme 3b) est accept\u00e9 par les banques comme de l'argent liquide afin de valider l'apport personnel obligatoire exig\u00e9 pour un pr\u00eat hypoth\u00e9caire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le pilier 3a (Pr\u00e9voyance li\u00e9e) :<\/strong> Les fonds sont r\u00e9glement\u00e9s, d\u00e9ductibles des imp\u00f4ts, mais exclusivement r\u00e9serv\u00e9s au financement d'une r\u00e9sidence principale habit\u00e9e par vous-m\u00eame.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le pilier 3b (Pr\u00e9voyance libre) :<\/strong> Les fonds sont disponibles \u00e0 tout moment sans conditions, ce qui permet de financer librement une r\u00e9sidence secondaire ou un investissement locatif.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'option du retrait anticip\u00e9 :<\/strong> Vous retirez le capital pour l'injecter directement dans l'achat, ce qui r\u00e9duit le montant de l'emprunt mais engendre un imp\u00f4t unique pour le 3a (le retrait du 3b est g\u00e9n\u00e9ralement exon\u00e9r\u00e9).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'option de la mise en gage (nantissement) :<\/strong> Le capital reste investi aupr\u00e8s de votre banque ou assurance comme garantie financi\u00e8re, pr\u00e9servant ainsi votre rendement et vos avantages fiscaux.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf507e elementor-widget elementor-widget-heading\" data-id=\"abf507e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment acheter un bien immobilier en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c5f8df elementor-widget elementor-widget-text-editor\" data-id=\"8c5f8df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour acheter un bien immobilier en Suisse, il vous faudra obtenir un pr\u00eat d&rsquo;un \u00e9tablissement financier, appel\u00e9 \u00ab\u00a0<strong>hypoth\u00e8que<\/strong>\u00ab\u00a0. Pour cela, vous devrez apporter 20% du prix d&rsquo;achat du bien immobilier. Ces <strong>20%<\/strong> sont appel\u00e9s \u00ab\u00a0<strong>fonds propres<\/strong>\u00ab\u00a0, et peuvent provenir de la <strong><a href=\"https:\/\/invexa.swiss\/2eme-pilier\/\">LPP<\/a><\/strong>, <strong><a href=\"https:\/\/invexa.swiss\/pilier-3a\/\">3\u00e8me pilier A<\/a><\/strong> ou B, et des <strong>\u00e9conomies personnelles<\/strong>. Cependant, uniquement <strong>10%<\/strong> des fonds propres peuvent provenir du 2\u00e8me pilier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d176bec elementor-widget elementor-widget-heading\" data-id=\"d176bec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pilier 3a ou 3b pour financer un achat immobilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3b4f2f elementor-widget elementor-widget-text-editor\" data-id=\"e3b4f2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il est possible d&rsquo;utiliser autant le pilier 3a (pr\u00e9voyance individuelle li\u00e9e) que le 3b (pr\u00e9voyance individuelle libre) pour financer l&rsquo;achat d&rsquo;un bien immobilier. Cependant, il convient de noter que le pilier 3a peut uniquement \u00eatre utilis\u00e9 pour le financement d&rsquo;un bien immobilier \u00e0 <strong>usage propre<\/strong>, c&rsquo;est-\u00e0-dire une r\u00e9sidence principale, tandis que le <strong><a href=\"https:\/\/invexa.swiss\/pilier-3b\/\">pilier 3b<\/a><\/strong> peut \u00eatre utilis\u00e9 pour financer <strong>tout type de propri\u00e9t\u00e9<\/strong>: logement de vacances, bien immobilier d&rsquo;investissement, etc.<\/p><p>Cela est li\u00e9 au fait que le 3a est pr\u00e9vu principalement pour garantir une retraite confortable, et donc les possibilit\u00e9s de retrait sont plus restreintes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33311a6 e-con-full e-flex e-con e-child\" data-id=\"33311a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d4a9898 e-con-full e-flex e-con e-child\" data-id=\"d4a9898\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eac739 elementor-widget elementor-widget-heading\" data-id=\"7eac739\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les fonds d'un 3\u00e8me pilier A peuvent \u00eatre utilis\u00e9s pour:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebdf5dc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ebdf5dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Acheter ou construire un logement \u00e0 destination d'un usage propre.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rembourser une hypoth\u00e8que existante.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Acqu\u00e9rir des parts d'un logement \u00e0 destination d'un usage propre (ex: coop\u00e9rative).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e2c38 elementor-widget elementor-widget-heading\" data-id=\"e9e2c38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financer ma r\u00e9sidence principale gr\u00e2ce au 3a ou 3b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2accf2d elementor-widget elementor-widget-text-editor\" data-id=\"2accf2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il existe deux mani\u00e8res d\u2019utiliser votre avoir du 3\u00e8me pilier pour financer l\u2019acquisition de votre r\u00e9sidence principale en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8209e70 elementor-widget elementor-widget-heading\" data-id=\"8209e70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Retrait anticip\u00e9 (EPL)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd4357a elementor-widget elementor-widget-text-editor\" data-id=\"bd4357a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cadre de l&rsquo;encouragement \u00e0 la propri\u00e9t\u00e9 (EPL), vous pouvez demander le <strong>retrait partiel ou int\u00e9gral<\/strong> de votre capital provenant du pilier\u202f3a o 3b (aucun montant minimal n\u2019est exig\u00e9) pour constituer votre <strong>apport<\/strong>. Pour le 3a, l&rsquo;op\u00e9ration est autoris\u00e9e uniquement si le capital sert \u00e0 l\u2019achat ou \u00e0 la construction de votre <strong>r\u00e9sidence principale<\/strong>.<\/p><p>Le retrait est impos\u00e9 \u00e0 <strong>1\/5 de l&rsquo;imp\u00f4t<\/strong>, s\u00e9paremment du revenu, et vous pouvez effectuer cette d\u00e9marche au plus t\u00f4t tous les cinq ans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bef179d elementor-widget elementor-widget-heading\" data-id=\"bef179d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mise en gage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-288e5b5 elementor-widget elementor-widget-text-editor\" data-id=\"288e5b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Plut\u00f4t que de retirer votre \u00e9pargne, vous pouvez la mettre en gage (\u00ab\u202fnantir\u202f\u00bb) aupr\u00e8s de la banque pour obtenir un pr\u00eat hypoth\u00e9caire plus important. Ce m\u00e9canisme augmente votre capacit\u00e9 d\u2019emprunt tout en <strong>conservant<\/strong> les avantages fiscaux et les rendements de votre 3\u00e8me pilier, sans d\u00e9clencher d\u2019imp\u00f4t imm\u00e9diat. En contrepartie, le montant nanti devra \u00eatre rembours\u00e9 ult\u00e9rieurement lors du remboursement de votre hypoth\u00e8que ou \u00e0 l\u2019\u00e2ge de la retraite, dans le cadre d&rsquo;un <strong>amortissement indirect<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30181bf elementor-widget elementor-widget-heading\" data-id=\"30181bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparatif : Mise en gage ou retrait anticip\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c0e8c7 elementor-widget elementor-widget-html\" data-id=\"4c0e8c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif retrait anticip\u00e9 vs mise en gage du pilier 3a\",\n  \"description\": \"Comparatif des avantages et inconv\u00e9nients du retrait anticip\u00e9 et de la mise en gage du pilier 3a pour financer un projet immobilier.\",\n  \"keywords\": [\"retrait anticip\u00e9 pilier 3a\", \"mise en gage pilier 3a\", \"pilier 3a immobilier\", \"retrait ou mise en gage 3a\"]\n}\n<\/script>\n\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:25%;\">\n      <col style=\"width:37.5%;\">\n      <col style=\"width:37.5%;\">\n    <\/colgroup>\n\n    <caption style=\"display:none\">\n      Comparatif entre retrait anticip\u00e9 et mise en gage du pilier 3a : avantages et inconv\u00e9nients\n    <\/caption>\n\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8res<\/th>\n        <th scope=\"col\">Retrait anticip\u00e9<\/th>\n        <th scope=\"col\">Mise en gage<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td>Avantages<\/td>\n\n        <td data-label=\"Retrait anticip\u00e9\">\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>R\u00e9duit la dette hypoth\u00e9caire<\/span>\n          <\/div>\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>R\u00e9duit la charge d'int\u00e9r\u00eats<\/span>\n          <\/div>\n        <\/td>\n\n        <td data-label=\"Mise en gage\">\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Le capital continue \u00e0 fructifier<\/span>\n          <\/div>\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Pas d'imp\u00f4t sur les prestations en capital<\/span>\n          <\/div>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td>Inconv\u00e9nients<\/td>\n\n        <td data-label=\"Retrait anticip\u00e9\">\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Imposition du capital au moment du retrait (taux r\u00e9duit)<\/span>\n          <\/div>\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Diminution de l'avoir du pilier 3a<\/span>\n          <\/div>\n        <\/td>\n\n        <td data-label=\"Mise en gage\">\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Charge d'int\u00e9r\u00eat plus \u00e9lev\u00e9e<\/span>\n          <\/div>\n          <div>\n            <img decoding=\"async\" src=\"http:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/check-mark-circle-2-svgrepo-com1.svg\" alt=\"\" aria-hidden=\"true\">\n            <span>Endettement sup\u00e9rieur<\/span>\n          <\/div>\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<style>\n.t td div {\n  display: flex;\n  align-items: flex-start;\n  gap: 8px;\n  margin-bottom: 8px;\n}\n\n.t td div:last-child {\n  margin-bottom: 0;\n}\n\n.t td div img {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 18px;\n  margin-top: 2px;\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-472927b elementor-widget elementor-widget-heading\" data-id=\"472927b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jusqu'\u00e0 quand puis-je retirer des fonds du pilier 3a?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69a2efc elementor-widget elementor-widget-text-editor\" data-id=\"69a2efc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez retirer votre avoir du pilier\u202f3a jusqu\u2019\u00e0 5 ans avant l\u2019<a href=\"https:\/\/invexa.swiss\/age-de-la-retraite-en-suisse\/\">\u00e2ge ordinaire de la retraite AVS<\/a>, soit <strong data-start=\"98\" data-end=\"108\">65\u202fans<\/strong>. Au-del\u00e0 de cette \u00e9ch\u00e9ance, l\u2019int\u00e9gralit\u00e9 de votre avoir du pilier\u202f3a ne peut \u00eatre per\u00e7ue qu\u2019en <strong>un seul versement<\/strong>, soit la totalit\u00e9 du capital disponible sur votre compte ou d\u00e9p\u00f4t de pr\u00e9voyance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4194336 elementor-widget elementor-widget-heading\" data-id=\"4194336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Devrais-je utiliser des fonds du 3\u00e8me pilier pour un achat immobilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e300f8 elementor-widget elementor-widget-text-editor\" data-id=\"1e300f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour l\u2019acquisition de votre r\u00e9sidence principale, privil\u00e9giez d\u2019abord le pilier\u202f3a, qui permet soit un retrait anticip\u00e9 (pour constituer l\u2019apport ou amortir l\u2019hypoth\u00e8que), soit un nantissement (pour augmenter votre capacit\u00e9 d\u2019emprunt) tout en b\u00e9n\u00e9ficiant d\u2019avantages fiscaux.<\/p><p>Si vous avez besoin de liquidit\u00e9s <strong data-start=\"471\" data-end=\"498\">pour un second logement<\/strong> (r\u00e9sidence de vacances) ou un <strong data-start=\"529\" data-end=\"554\">bien d\u2019investissement<\/strong>, le pilier\u202f3b peut compl\u00e9ter vos fonds propres. Toutefois, il profite de moins d&rsquo;avantages fiscaux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>En Suisse, vous pouvez utiliser votre pilier 3a ou pilier 3b pour l&rsquo;achat, la construction ou la r\u00e9novation de votre r\u00e9sidence principale ou secondaire (via 3b uniquement). Ce capital compte comme des fonds propres et aide \u00e0 atteindre les 20 % d&rsquo;apport minimum exig\u00e9s par les banques, dont 10 % ne peuvent pas provenir du 2e pilier (caisse de pension).<\/p>","protected":false},"author":1,"featured_media":1470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[10,11,13,24],"class_list":["post-291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-3a","tag-3b","tag-3eme-pilier","tag-immobilier"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/291","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/comments?post=291"}],"version-history":[{"count":0,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/291\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/1470"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}