Fixed-rate Mortgage

Q: What are the conditions?

Interest rate: Individually calculated for you, fixed for the entire contract period Term: 2 to 10 years Interest risk: When your mortgage expires, you may benefit from lower interest rates or you might have to accept a higher interest rate for follow-up financing. This interest rate risk can be minimized by staggering multiple fixed-rate mortgages into tranches. Fixed-rate Mortgage factsheet

Q: For whom is a Fixed-rate Mortgage suitable?

A Fixed-rate Mortgage is suitable if you want to budget your interest costs accurately and avoid surprises. The interest rate is fixed for the entire term of the contract, protecting you from rising interest rates.

Q: How long in advance can I fix the interest rate?

You can fix the interest rate up to 12 months before taking out the mortgage. This is especially useful if you are worried about rising interest rates. The fixing of the interest rate and receiving the mortgage therefore take place at different times. An additional fee is charged to secure this interest rate.

Q: How can I protect myself against rising interest rates?

The best way is to divide the total financing into different mortgage tranches with different contract terms. Subscribe to our interest rate forecast free of charge to stay informed about interest rate development.

If you want to finance your home in a way that is stable and predictable, this is your solution.

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Advantages of a Fixed-rate Mortgage

Stability

Interest rate and payment stay the same throughout the term.

Limited term

A chance to rethink your strategy at the end of each term.

Options

Choose a mix of 2 to 10 year terms for maximum flexibility.

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Fixed-rate Mortgage

Advantages at a glance

Defined term: 2 to 10 years
Predictable monthly payment
Set your interest rate up to 12 months before taking out the mortgage
Applies to owner-occupied residential property, holiday and investment properties in Switzerland
Early termination is only possible in exceptional cases, with penalty

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Which mortgage strategy is right for me?

FAQ

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What are the conditions?

Interest rate: Individually calculated for you, fixed for the entire contract period

Term: 2 to 10 years

Interest risk: When your mortgage expires, you may benefit from lower interest rates or you might have to accept a higher interest rate for follow-up financing. This interest rate risk can be minimized by staggering multiple fixed-rate mortgages into tranches.

Fixed-rate Mortgage factsheet

For whom is a Fixed-rate Mortgage suitable?

How long in advance can I fix the interest rate?

How can I protect myself against rising interest rates?

Is it possible to cancel a Fixed-rate mortgage?

In principle, an early exit from a fixed-rate mortgage is only possible if the property is sold. In the event of early termination, an early repayment penalty will be calculated by the bank. This can be in favor of or at the expense of the borrower. The amount of the early repayment penalty depends on three factors:

How long is the remaining term of the mortgage?
What is the agreed interest rate?
What is the current interest rate?

What counts as equity?

You must finance at least 20% of the value of the real estate with your own equity. No more than 10% of this equity can come from your occupational pension. Assuming a property costs CHF 800,000, you would have to finance CHF 160,000 from your own funds. This serves as collateral for the bank.

Equity can come from many different sources, including:

Money in your current and savings accounts
Interest-free loans from parents or relatives
Advance inheritance and gifts
Securities
Unencumbered building land
Funds from pillars 2 and 3

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Fixed-rate Mortgage