Sure, this is option n° 5 I have listed. Still, considering a 5% “pseudo-income” I would need at least 2M CHF to be eligible, if the wife will also stop working before the mortgage renewal time.
Maybe a combination of this + some partial amortisation… for sure before the time comes it may be worth to check with some specialised consultant whether there are banks / insurances willing to consider a higher % of “pseudo-income”.
I wonder if the lenders after having granted the mortgage do regular checks that this % criterium is still fulfilled (may not be the case in the withdrawal phase).
Maybe someone who has already followed this path could provide insights… @Financial_Imagineer ?