Retraites Populaires

Retraites Populaires is a pension and financial institution from the canton of Vaud that grants long-term mortgage loans for buying a home. On a later sale, no prepayment penalty applies, and the interest rate can be reserved up to 12 months in advance at no extra charge. Energy-efficient properties qualify for a green bonus, and existing owners can increase the loan to free up liquidity.

For people approaching or past retirement, Retraites Populaires offers adjusted terms, for example when renewing the loan or increasing it for renovations. Advice accompanies the whole purchase process, and an application form, a calculator and a simulation tool are all available online. The institution is rooted in French-speaking Switzerland, with locations in Lausanne, Yverdon-les-Bains and Nyon. Alongside the mortgage loan, it also points customers to pension provision through the second and third pillars as well as life insurance.