Hey!
Actually, I’m a bit lost myself. Everybody seems to point to VIAC/WIR for mortgage, but here are the 2 offers I’m comparing now, and my broker is (obviously) telling me I would loose ~53k in 10 years by going with VIAC:
House: 1’650’000.-
UBS:
- interest rate: 1.24%
- mortgage (80%): 1’320’000.-
- 2a/3a withdrawal (222k)
- Cash: 106’000.-
- indirect amortization via their own 3a (we would use probably their Vitainvest product, as we are on VIAC currently, to get similar returns): 14’516.-
VIAC/WIR:
- interest rate: 1.36%
- mortgage (93.5%): 1’542’000.-
- 2a/3a pledging
- cash: 106’000.-
- indirect amortization via their VIAC 31: 15’400 (I’m guessing part greater than 14’516 is direct?)
Does it make sense to actually choose UBS?