VIAC

VIAC is a digital pension solution for pillar 3a and vested benefits, built together with Bank WIR and run through the Terzo pension foundation and Bank WIR's vested benefits foundation. Alongside pension products, VIAC offers a mortgage, with Bank WIR as the lender. The offering targets VIAC customers and is available nationwide.

It finances self-occupied housing at a Swiss residence, whether for a purchase, replacing an existing mortgage, or a renovation. Requirements include an age between 18 and 60, residence in Switzerland, and either Swiss citizenship or a B or C residence permit; a mortgage can be taken out jointly by at most two people. The process starts with a quick check in the VIAC app, after which the application form is submitted to Bank WIR, whose credit team takes over further processing.

In addition, the balance saved in pillar 3a or vested benefits can be withdrawn in advance within the framework of home ownership promotion, for instance to buy a home, for value-adding investments, or to amortize a mortgage. The website is available in German, French, Italian, and English.