{"id":1150,"date":"2023-02-14T12:34:02","date_gmt":"2023-02-14T11:34:02","guid":{"rendered":"https:\/\/ufind.ch\/everything-you-need-to-know-about-the-free-passage-account\/"},"modified":"2024-11-21T11:26:29","modified_gmt":"2024-11-21T10:26:29","slug":"everything-you-need-to-know-about-the-free-passage-account","status":"publish","type":"page","link":"https:\/\/ufind.ch\/en\/everything-you-need-to-know-about-the-free-passage-account\/","title":{"rendered":"Everything you need to know about the free passage account<br>"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1150\" class=\"elementor elementor-1150 elementor-135\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2def46f bg-fluid e-flex e-con-boxed e-con e-parent\" data-id=\"2def46f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7cfc1fe e-con-full e-flex e-con e-child\" data-id=\"7cfc1fe\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69f1087 elementor-widget elementor-widget-spacer\" data-id=\"69f1087\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\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-f7f975c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"f7f975c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Everything you need to know about the free passage account\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a34dae7 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a34dae7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA\u00a0<strong>free passage account<\/strong>\u00a0is an account to which the occupational insurance capital you have accumulated is paid. It is reserved for 2nd pillar (<strong>LPP<\/strong>) occupational insurance. If you leave an employer and do not join another employer, then having saved it within a period of between 6 months and 2 years will be sent to a free-passage account, the fund collecting these assets is appointed as the Foundation&#8217;s Supplementary Institution, where more than CHF 5.3 billion currently operates. This is pending transfer to your new employer or withdrawn\u00a0<strong>under the legal conditions<\/strong>.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aebac6 elementor-widget elementor-widget-button\" data-id=\"4aebac6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98dcc6d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"98dcc6d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f2a202 e-flex e-con-boxed e-con e-parent\" data-id=\"2f2a202\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cb41d5d e-con-full e-flex e-con e-child\" data-id=\"cb41d5d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fec1d23 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"fec1d23\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">In which situations is an open-ended account?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a55d97 e-con-full e-flex e-con e-child\" data-id=\"8a55d97\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5845146 e-con-full e-flex e-con e-child\" data-id=\"5845146\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a7a5a8 animated-fast elementor-position-top elementor-invisible elementor-widget elementor-widget-image-box\" data-id=\"9a7a5a8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp\" class=\"attachment-full size-full wp-image-568\" alt=\"entreprise blanc\" srcset=\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp 512w, https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc-300x300.webp 300w, https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc-150x150.webp 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Temporary or permanent transfer of gainful activity<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea55825 e-con-full e-flex e-con e-child\" data-id=\"ea55825\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2b9b2e animated-fast elementor-position-top elementor-invisible elementor-widget elementor-widget-image-box\" data-id=\"f2b9b2e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/divorce-icone.webp\" class=\"attachment-full size-full wp-image-567\" alt=\"divorce icone\" srcset=\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/divorce-icone.webp 512w, https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/divorce-icone-300x300.webp 300w, https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/divorce-icone-150x150.webp 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Divorce or dissolution of registered partnership<\/h4><\/div><\/div>\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\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d6c8a7 e-flex e-con-boxed e-con e-parent\" data-id=\"1d6c8a7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a52449 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"3a52449\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a foundation of free passage?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebbde6d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ebbde6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA free-passing foundation can be a bank, insurance, or a private bank, it will store your credit and take care of a possible management, it can also offer you (insurance only) death, disability benefits.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f663b4 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"4f663b4\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"83256244\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-832562441\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-832562441\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tWhy open one ?\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-832562442\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-832562442\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tResumption of activity with an employer \t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-832562443\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-832562443\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tWhat interest rates are on conventional free-passage accounts\t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-832562444\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-832562444\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tHow do you get better returns?\t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-832562445\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-832562445\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tCan I split my free-passing asset?\t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-832562446\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-832562446\" style=\"--n-tabs-title-order: 6;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tWhat are the benefits of splitting my free-passage account?\t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-832562441\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562441\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-278bc17 e-con-full e-flex e-con e-child\" data-id=\"278bc17\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-73d9403 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"73d9403\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8091029 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8091029\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A period of unemployment, a career break, a stay abroad, training or maternity leave, when you\u00a0<strong>leave a business.<\/strong><\/p><p>If you do not claim your credit under the legal conditions for\u00a0<strong>early retirement<\/strong>\u00a0after the cessation of your activity, then the pension fund will automatically send your accumulated capital to the Fondation Institution Supplier, which is located in Bern.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-832562442\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562442\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-12b3c4f e-con-full e-flex e-con e-child\" data-id=\"12b3c4f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-936beaa animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"936beaa\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c617d8 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c617d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you resume a lucrative business, you are required to transfer your free-passage account to your new employer&#8217;s pension fund.<\/p><p>According to the law, assets already paid to a pension fund must remain in\u00a0<strong>the provision of insurance<\/strong>. So you cannot have that money when you leave your business, but you have to pay it into\u00a0<strong>a free-passing account of your choice<\/strong>, but this capital can be\u00a0<strong>withdrawn in advance.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-832562443\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562443\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-2434f42 e-con-full e-flex e-con e-child\" data-id=\"2434f42\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f489a6c animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"f489a6c\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1e772 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6f1e772\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tRates vary between 0.01% and 0.05% depending on the foundation, which ebid can be avoided from account charges as well as inflation.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-832562444\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562444\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-f0350a8 e-con-full e-flex e-con e-child\" data-id=\"f0350a8\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-83f6f94 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"83f6f94\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c343616 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c343616\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYou have to open a free-passing account with investment in investment funds, you will choose the allocation according to a well-defined strategy, in the very short term this solution is not advantageous, however if the horizon is at least 3-5 years and more then this variant takes on its full meaning.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-832562445\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562445\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-a203ec4 e-con-full e-flex e-con e-child\" data-id=\"a203ec4\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3103191 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"3103191\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68386df elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"68386df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you leave your employer, this is the only time when you can split it into two accounts, but you will not be able to open two accounts within the same foundation, so you will have to open two separate accounts.<\/p><p>Once the funds land in a free-passage account, it is no longer possible to split that account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-832562446\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-832562446\" data-tab-index=\"6\" style=\"--n-tabs-title-order: 6;\" class=\" elementor-element elementor-element-40142e2 e-con-full e-flex e-con e-child\" data-id=\"40142e2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-81f7a6a animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"81f7a6a\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51db492 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"51db492\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Tax gain<\/li><\/ol><p>You can stagger your withdrawals, which save taxes according to the MIG (Marginal Taxation Rate)<\/p><ol start=\"2\"><li>Flexibility<\/li><\/ol><p>It is possible to open either a liquidity account and an account with shares invested in securities, or two accounts with shares invested but in two different strategies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8fe0fb4 animated-fast e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"8fe0fb4\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ce41f32 e-con-full e-flex e-con e-child\" data-id=\"ce41f32\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c2841d elementor-widget elementor-widget-heading\" data-id=\"9c2841d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">TAXATION<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fb1bc5 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"7fb1bc5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Withdrawal if you are a tax resident in Switzerland\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faa1689 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"faa1689\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"262805129\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2628051291\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2628051291\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tConditions for calculating the tax\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2628051292\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2628051292\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tHow is the capital benefit tax calculated ?\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2628051291\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2628051291\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-b25cab9 e-con-full e-flex e-con e-child\" data-id=\"b25cab9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-de001d2 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"de001d2\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8041b4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c8041b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>It is levied by the Confederation (IFD) and the cantons, communes (ICC).<\/li><li>It is calculated separately from other income at a preferential rate<\/li><li>When you withdraw several benefits over the same tax period, then cumulation will be used for the calculation of the tax and not separately, in addition if you are married the couple\u2019s benefits will also be accumulated.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf4a17 elementor-widget elementor-widget-button\" data-id=\"ebf4a17\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2628051292\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2628051292\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-6f15faf e-con-full e-flex e-con e-child\" data-id=\"6f15faf\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0bf0ab5 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"0bf0ab5\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22bd2e8 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"22bd2e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These services are calculated separately at a particular rate. For direct federal tax, one fifth of the usual tax tariff is used, while varied tariffs exist in the cantons. However, occupational insurance may be considered to be subject to a lower tax rate than income from work.<\/p><p>In principle, provident capital is taxed separately from other income at a preferential rate. In the various cantons, however, different implementing rules for the determination of the tax are applied.<\/p><p>The following table gives an overview of the different rules for the taxation of capital arising from occupational insurance (2nd pillar), as well as from private insurance (a)). Adjustments and\/or intermediate modifications in various cantons remain reserved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3891abe elementor-widget elementor-widget-button\" data-id=\"3891abe\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\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-85bd168 elementor-widget elementor-widget-html\" data-id=\"85bd168\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<table class=\"bdt-static-table\">\n\n                            <thead>\n                    <tr>\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-2804433\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Canton<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-e76e142\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Calculation rules<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                                            <\/tr>\n                <\/thead>\n            \n            <tbody>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-fb01850\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">AG<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-48f2989\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Provident\n capital is subject \u2013 separately from other income \u2013 to an annual tax, \nwhich is calculated at 40% of the ordinary income tax.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-bd70f4a\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">AI<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-90b1a84\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated\n from other income, at annuity fee. Minimum rate of 3% (corresponds to \n20,000 income), AI separated from other income, at annuity rate. Minimum\n rate 3% (corresponding to 20,000 income) (rentals's rents for 1991) <\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-2b0e3c8\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">AR<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-fa6edba\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, at annuity rate. (rentals of 1991 pensions)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-3b441e8\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">BE<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-8789ea2\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, double tariff (progressive from 1 to 5% depending on capital)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-3ce875e\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">BS<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-b8d1fce\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated\n from other income, preferential tariff (progressive from 3 to 8% \ndepending on capital) Provided that the capital is paid to the person \nconcerned or someone for whom he or she is responsible, (Spouse, direct \ndescendant, children for care, or other person cared for by the person).\n  If the foresight capital is vested in someone else, the capital is \ntaxed with the other income.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-b582ece\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">BL<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-af70b87\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, at annuity fee. Minimum tariff 2% (rentals from 1991)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-97915f4\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">FR<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-9ea4910\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income (progressive from 2 to 6% depending on capital)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-1bb144f\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">GE<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-0b58f31\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income up to one fifth of the single rate.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-7a043ed\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">GR<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-f43d810\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Capital\n is taxed according to the tax rate that would be applied (married or \notherwise) if, instead of the capital, an annuity equivalent to the \nfifteenth of the capital was paid.  The simple tax is at least 1.5% \n(married), 2% (other).  Maximum tax: 5.2% (married), 6% (other)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-c462886\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">JU<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-c827009\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Special rate.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-2a70238\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">LU<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-1ea85c4\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated\n from other income up to one third of the capital, provided that the \nprincipal is paid to the person concerned or someone for whom he is \nresponsible, (Spouse, direct descendant, children for care or other \nperson cared for by the person). At least 0.5% If the provident capital \nis vested in someone else, the capital is taxed with other income.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-ef4ad9f\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">NE<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-b953d87\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, up to a quarter of the ordinary tax (minimum 2.5%).<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-e5fc999\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">OW<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-1982167\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, up to two fifths of ordinary tax.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-6a185df\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">SG<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-b4087ca\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated\n from other income at the rate of the annuity (according to the new 2001\n table of annuities), Tariff applied - single rate, Married - discount \nof 25 per cent. The simple tax (Tariff) is at least 2.715%, this rate is\n applied from an amount of 20,000.-<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-26b25d3\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">HS<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-c2b6c01\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Capital is taxed at one fifth of the ordinary tariff.  A minimum of 0.5%.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-77390aa\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">SO<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-3a54e69\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, up to one fifth of the ordinary tax.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-ede9ea7\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">S<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-7a0da0f\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Capital\n is taxed according to the tax rate that would be applied (married or \notherwise) if, instead of the capital, an annuity equivalent to 1\/25 of \nthe capital was paid. The simple tax is a maximum of 2%. A division \nfactor of 1.9 is applied to married couples.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-35e6939\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">TG<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-8d3f6b0\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Capital\n is taxed according to the tax rate that would be applied (married or \notherwise) if, instead of the capital, an annuity equivalent to the \nfifteenth of the capital was paid. The simple tax is at least 2% \n(married), 2.5% (other).<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-4134bc4\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">RT<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-3dce4a5\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Rate of the pension, minimum 2%. Table by age.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-77643a1\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">UR<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-30f15ef\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, up to two fifths of ordinary tax.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-52a9db3\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">VD<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-87490b2\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income up to one third of the ordinary tariff.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-61cb956\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">VS<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-e2d347a\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, at annuity fee. Minimum tariff 2%, maximum rate 4%<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-54a309d\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">G<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-97d9b73\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Taxes\n amount to 30% for the first 200,000.- and 40% for the following \n200,000.- (married or unmarried). The simple tax is at least 1%.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-9220174\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">H<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-f3af38d\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Capital\n is taxed according to the tax rate that would be applied (married or \notherwise) if, instead of the capital, an annuity equivalent to one \ntenth of the capital was paid. The simple tax is at least 2% of the \ncapital.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-0c04c8d\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Confederation<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-75a8591\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Separated from other income, up to one fifth of the ordinary tax.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                            <\/tbody>\n\n        <\/table>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93a8a7c e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"93a8a7c\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"154831484\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1548314841\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1548314841\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tReimbursement of tax \t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1548314842\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1548314842\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t \t\t\t\tExample of taxes\t\t\t\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1548314841\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1548314841\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-dd0b8fd e-con-full e-flex e-con e-child\" data-id=\"dd0b8fd\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4425021 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"4425021\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b994fe4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b994fe4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhen you withdraw your second pillar in order to purchase a home purchase in the main residence you will be encouraged to promote the Housing Property (EPL), you will naturally have to pay the capital benefit tax (CPI) as seen above. You can ask for this tax but only when you have repaid the capital withdrawn for your EPL. <b>NB:<\/b> Reimbursement does not automatically be made by the Cantonal Fiscal Administration, you will have to contact their service yourself within a maximum of 3 years after having bailed out your withdrawal, after which you will no longer be able to claim the tax.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23c047b elementor-widget elementor-widget-button\" data-id=\"23c047b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1548314842\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1548314842\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-65d5b1f e-con-full e-flex e-con e-child\" data-id=\"65d5b1f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e112774 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"e112774\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb3e23 elementor-widget elementor-widget-text-editor\" data-id=\"2bb3e23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table id=\"prestationcapital\" width=\"1051\"><tbody><tr><td width=\"47\">\u00a0<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" colspan=\"5\" width=\"605\">Capital benefit<\/td><\/tr><tr><td width=\"47\">\u00a0<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"104\">100&#8217;000<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"123\">200&#8217;000<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"114\">400&#8217;000<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"141\">500&#8217;000<\/td><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"123\">1&#8217;000&#8217;000<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">GE<\/td><td width=\"104\">3&#8217;181<\/td><td width=\"123\">10&#8217;681<\/td><td width=\"114\">27&#8217;279<\/td><td width=\"141\">35&#8217;873<\/td><td width=\"123\">80&#8217;512<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">VD<\/td><td width=\"104\">3\u2019737<\/td><td width=\"123\">11\u2019122<\/td><td width=\"114\">28\u2019909<\/td><td width=\"141\">38\u2019442<\/td><td width=\"123\">87\u2019324<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">VS<\/td><td width=\"104\">4&#8217;510<\/td><td width=\"123\">11&#8217;020<\/td><td width=\"114\">31&#8217;685<\/td><td width=\"141\">45&#8217;258<\/td><td width=\"123\">101&#8217;400<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">FR<\/td><td width=\"104\">5\u2019074<\/td><td width=\"123\">15&#8217;652<\/td><td width=\"114\">42&#8217;452<\/td><td width=\"141\">55&#8217;852<\/td><td width=\"123\">122&#8217;540<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">NE<\/td><td width=\"104\">5&#8217;144<\/td><td width=\"123\">13&#8217;183<\/td><td width=\"114\">33&#8217;125<\/td><td width=\"141\">42&#8217;137<\/td><td width=\"123\">87&#8217;664<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">JU<\/td><td width=\"104\">5&#8217;109<\/td><td width=\"123\">13&#8217;335<\/td><td width=\"114\">30&#8217;885<\/td><td width=\"141\">39&#8217;660<\/td><td width=\"123\">83&#8217;222<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">AI<\/td><td width=\"104\">2&#8217;700<\/td><td width=\"123\">8&#8217;279<\/td><td width=\"114\">20&#8217;352<\/td><td width=\"141\">26&#8217;112<\/td><td width=\"123\">54&#8217;600<\/td><\/tr><tr><td style=\"text-align: center; background-color: #2872fa; color: #fff;\" width=\"47\">SZ<\/td><td width=\"104\">1&#8217;654<\/td><td width=\"123\">6&#8217;727<\/td><td width=\"114\">23&#8217;833<\/td><td width=\"141\">34&#8217;429<\/td><td width=\"123\">96&#8217;130<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c709a74 e-flex e-con-boxed e-con e-parent\" data-id=\"c709a74\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8a9a97c e-con-full e-flex e-con e-child\" data-id=\"8a9a97c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7888566 elementor-widget elementor-widget-spacer\" data-id=\"7888566\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\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-415c596 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"415c596\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Withdrawal if you are a tax resident in France\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65dfc4b elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"65dfc4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Despite what you can hear, it is in France that the final tax is due if you withdraw second-class or third pillar A capital and not in Switzerland, an exception must be of Swiss nationality and have been an employee of the civil service.<\/p><p>According to art. 163 bis of the General Tax Code (GIC), pension benefits paid in the form of capital may, on request, be subject to a levy at the rate of 6.75% instead of the progressive scale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d71da9c e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"d71da9c\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"225565340\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2255653401\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2255653401\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tHow does it work ?\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2255653402\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2255653402\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tYou will need to present yourself with the documents below at the AFC\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2255653401\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2255653401\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-06642fa e-con-full e-flex e-con e-child\" data-id=\"06642fa\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0da29fb animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"0da29fb\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-288aba4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"288aba4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>I request the withdrawal from my pension fund 2nd pillar or from the foundation which holds my free passage account<\/li><li>Switzerland pays the funds and levyes a tax at source which will depend on the amount<\/li><li>I transfer these funds to France by negotiating my exchange rate well so as not to be penalized<\/li><li>I declare the year following the capital received in fiscal year n-1 through Annex 2042 in 1AT or 1BT by using the Bank of France&#8217;s tax exchange rate of the day.<\/li><li>I get a tax notice where my withdrawal is<\/li><li>I contact the Cantonal Fiscal Administration, where the fund\/foundation that paid me the funds to him is in place to claim reimbursement of the levy at source.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2255653402\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2255653402\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-072934a e-con-full e-flex e-con e-child\" data-id=\"072934a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8b7715e animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"8b7715e\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0315af1 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0315af1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>French tax notices<\/li><li>The certificate of payment of the second pillar or third pillar A<\/li><li>AVS number<\/li><li>An identity document<\/li><li>One RIB in CHF<\/li><li>Complete and stamp the following form by the French Tax Service in your region\u00a0<a href=\"https:\/\/www.ge.ch\/document\/demande-remboursement-impot-source-preleve-prestations-provenant-institutions-prevoyance-ayant-leur-siege-suisse\/telecharger\">https:\/\/ www.ge.ch\/document\/demand-refund-tax-source-preleve-prospers-from- institutions-prevoyance-super-their-siege-suisse\/telecharger<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6442af elementor-widget elementor-widget-button\" data-id=\"f6442af\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d55f00 animated-fast e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"1d55f00\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-56cb37b e-con-full e-flex e-con e-child\" data-id=\"56cb37b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90481bb elementor-widget elementor-widget-heading\" data-id=\"90481bb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">WITHDRAWAL<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7bfdb elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"1a7bfdb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Under what conditions can you withdraw your 2nd LPP pillar or free passage account?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b7353e e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"7b7353e\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"129447230\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1294472301\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1294472301\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTo buy a dwelling\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1294472302\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1294472302\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tImportant to know\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1294472301\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1294472301\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-12d9c6e e-con-full e-flex e-con e-child\" data-id=\"12d9c6e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1fe2c4e animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"1fe2c4e\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad4c454 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ad4c454\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Financing renovation work for the main dwelling<\/li><li>Financing \/ amortisation of the housing loan, minimum amount CHF 20,000 if the money is in the pension fund, if the free passage account no minimum<\/li><li>Permanent departure from Switzerland, if you remain in the European Union you can withdraw only the over-compulsory share, if you leave the European Union you can withdraw the whole<\/li><li>Buy shares in a cooperative construction company<\/li><li>Self-employment as a self-employed person (individual reason)<\/li><li>Perception of a full disability pension<\/li><\/ul><p>Some important concepts apply for withdrawal in the context of a purchase in the main residence<\/p><ul><li>up to the age of 50, you can withdraw all your insurance assets;<\/li><li>after 50 years, you can only withdraw a limited amount;<\/li><li>you can only request an early withdrawal every 5 years;<\/li><li>you must seek the consent of your spouse or partner if you are married or in a registered partnership;<\/li><li>you must reimburse the second pillar received in advance to buy your home if you sell it.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f25f008 elementor-widget elementor-widget-button\" data-id=\"f25f008\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1294472302\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1294472302\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-28e1cee e-con-full e-flex e-con e-child\" data-id=\"28e1cee\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a121a8f animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"a121a8f\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5748cb elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d5748cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>According to Article 79B al3 if you have made a redemption in the second pillar you have to wait 3 years before making a withdrawal.<\/p><p>If you have made an EPL withdrawal, you will first have to repay it before making a new tax-deductible redemption.<\/p><p>You will be reimbursed the tax when the EPL withdrawal is repaid.<\/p><p>Care should be taken not to make a redemption in the second pillar maximum 3 years before the statutory retirement age so as not to be penalised when applying for the capital withdrawal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75743e0 elementor-widget elementor-widget-button\" data-id=\"75743e0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-229af6b bg-fluid e-flex e-con-boxed e-con e-parent\" data-id=\"229af6b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca46b9e e-con-full e-flex e-con e-child\" data-id=\"ca46b9e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-724e553 elementor-widget elementor-widget-spacer\" data-id=\"724e553\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\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-e43e3cb elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"e43e3cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Divorce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2a9644 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"b2a9644\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Share your asset\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e00301 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5e00301\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The share of the exit benefit (also frequently referred to as the \u201cfree passage provision\u201d) is shared between the date of the conclusion of the marriage and the date of commencement of divorce proceedings.\u00a0<strong>The principle is that each spouse is entitled to half of the exit benefit from the other spouse<\/strong>.<\/p><p>If one of the spouses is not a member of a pension fund, the money is transferred to a bank free-passage account or to the free-term insurance policy.<\/p><p><strong>The equitable distribution of the assets of the second pillar accumulated during the marriage must apply irrespective of the matrimonial regime<\/strong>. Therefore, even if you have made a marriage contract and opted for the property separation regime, this does not prevent you from having to distribute in principle equitably the second pillar assets accumulated during the period of the marriage. Depending on the specific case, the sharing of the LPP may also replace all or part of the maintenance contribution\u00a0<a href=\"http:\/\/relevancy.bger.ch\/php\/aza\/http\/index.php?lang=fr&amp;type=show_document&amp;highlight_docid=aza:\/\/24-06-2015-5A_296-2014\">(5A-296\/2014<\/a>).<\/p><p>Under certain conditions, it is possible to renounce sharing.<\/p><p><strong>But the General Court is always free to decide to apply the legal principle of sharing, despite the parties\u2019 agreement to the contrary.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30dfa7b elementor-widget elementor-widget-button\" data-id=\"30dfa7b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launching a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2682209 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2682209\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Everything you need to know about the free passage account A\u00a0free passage account\u00a0is an account to which the occupational insurance capital you [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1150","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Everything you need to know about the free passage account - uFind<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything you need to know about the free passage account - uFind\" \/>\n<meta property=\"og:description\" content=\"Everything you need to know about the free passage account A\u00a0free passage account\u00a0is an account to which the occupational insurance capital you [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/\" \/>\n<meta property=\"og:site_name\" content=\"uFind\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-21T10:26:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/\",\"url\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/\",\"name\":\"Everything you need to know about the free passage account - uFind\",\"isPartOf\":{\"@id\":\"https:\/\/ufind.ch\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp\",\"datePublished\":\"2023-02-14T11:34:02+00:00\",\"dateModified\":\"2024-11-21T10:26:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage\",\"url\":\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp\",\"contentUrl\":\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/ufind.ch\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Everything you need to know about the free passage account\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ufind.ch\/#website\",\"url\":\"https:\/\/ufind.ch\/\",\"name\":\"uFind\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/ufind.ch\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ufind.ch\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ufind.ch\/#organization\",\"name\":\"uFind\",\"url\":\"https:\/\/ufind.ch\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ufind.ch\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/Logo-uFind.webp\",\"contentUrl\":\"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/Logo-uFind.webp\",\"width\":500,\"height\":151,\"caption\":\"uFind\"},\"image\":{\"@id\":\"https:\/\/ufind.ch\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.instagram.com\/ufind.ch\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Everything you need to know about the free passage account - uFind","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/","og_locale":"en_US","og_type":"article","og_title":"Everything you need to know about the free passage account - uFind","og_description":"Everything you need to know about the free passage account A\u00a0free passage account\u00a0is an account to which the occupational insurance capital you [&hellip;]","og_url":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/","og_site_name":"uFind","article_modified_time":"2024-11-21T10:26:29+00:00","og_image":[{"width":512,"height":512,"url":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"16 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/","url":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/","name":"Everything you need to know about the free passage account - uFind","isPartOf":{"@id":"https:\/\/ufind.ch\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage"},"image":{"@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage"},"thumbnailUrl":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp","datePublished":"2023-02-14T11:34:02+00:00","dateModified":"2024-11-21T10:26:29+00:00","breadcrumb":{"@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#primaryimage","url":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp","contentUrl":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/entreprise-blanc.webp"},{"@type":"BreadcrumbList","@id":"https:\/\/ufind.ch\/it\/tutto-quello-che-ce-da-sapere-sul-conto-di-libero-passaggio\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/ufind.ch\/"},{"@type":"ListItem","position":2,"name":"Everything you need to know about the free passage account"}]},{"@type":"WebSite","@id":"https:\/\/ufind.ch\/#website","url":"https:\/\/ufind.ch\/","name":"uFind","description":"","publisher":{"@id":"https:\/\/ufind.ch\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ufind.ch\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ufind.ch\/#organization","name":"uFind","url":"https:\/\/ufind.ch\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ufind.ch\/#\/schema\/logo\/image\/","url":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/Logo-uFind.webp","contentUrl":"https:\/\/ufind.ch\/wp-content\/uploads\/2023\/02\/Logo-uFind.webp","width":500,"height":151,"caption":"uFind"},"image":{"@id":"https:\/\/ufind.ch\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.instagram.com\/ufind.ch\/"]}]}},"_links":{"self":[{"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/pages\/1150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/comments?post=1150"}],"version-history":[{"count":15,"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/pages\/1150\/revisions"}],"predecessor-version":[{"id":1319,"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/pages\/1150\/revisions\/1319"}],"wp:attachment":[{"href":"https:\/\/ufind.ch\/en\/wp-json\/wp\/v2\/media?parent=1150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}