Comments regarding property and pledging with pillar 3a 100% equity:
@nugget: sure but how do we concile it with the fact that the bank may only consider only 50% of the value as mentioned by @Mr.RTF ? Would that mean that we consider upfront that two blocked
accounts (me and my partner) have to contain less equity ? Moreover, those accounts would receive the full amortization during 15 years making the 100% equity account a bit useless. If two pillar 3a value at 50% each are worth less than amount required for amortization, do you have to compensate with cash?
Edit: I am starting to wonder that if you plan to buy and want to keep you pillar 3a 100% equity working, then it is better to pay the amortization every year to the bank. Maybe not smart at the moment. Any opinion welcome.