Do you want to realize your dream of owning your own home? MoneyPark owners not only attractive financing terms, but also a unique customer experience thanks to the combination of state-of-the-art technology and personal advice. Our proprietary so"tware enables our experienced advisors to find the best financing solution from the oers of more than 150 providers for you.
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*The Saron value shown is composed of the current Saron overnight and the individual margin of the mortgage provider. Generally, the interest rates shown are the best rates currently available. Your personal interest rate may vary based on your loan-to-value ratio, affordability, mortgage volume and property location.
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Calculate the key figures for property financing quickly and easily.With MoneyPark you will find the optimal financing solution tailored to your needs. But to get the best possible terms, you have to consider some basic conditions - and make some important decisions. MoneyPark is at your side every step of the way: as an independent and competent companion for the financing of your property. By the way: Our mortgage comparison offers you an overview of the best conditions of different providers.
In order to be able to repay the mortgage loan, all financial institutions set minimum requirements for mortgage holders based on legal requirements and voluntary commitments. This is not only in the interest of the banks and insurance companies, but also serves the customer. With the help of a solid and long-term oriented financial planning you protect yourself against a later loss of the property.
.The two basic requirements are:
80 percent - This is the maximum loan-to-value ratio for a mortgage in Switzerland. The term refers to the ratio of the mortgage amount to the market value of the property. Conversely, this means that you must contribute at least 20 percent from your own capital. Banks and other financial institutions generally only grant the highest possible loan-to-value ratio if additional collateral - for example, inheritance benefits or retirement capital from pillar 3a - is pledged.
In such cases, it is also usual that the required amount is split into 2 mortgages. The first mortgage is granted up to a loan-to-value ratio of about 67 percent of the market value, the second mortgage covers the remaining 13 percent. However, there are separate conditions for the second mortgage, which concern the interest rate, term and the exact form of the loan/credit.
Want to know your loan-to-value ratio? Click here for the calculator.
About 35 percent - By more than this percentage your monthly income should not be burdened by the expenses for the property. Considered are on the one hand interest and amortization payments of the mortgage, on the other hand also running costs for maintenance and provisions for larger modernization measures, which are perhaps due in 10 or 15 years. The basis for the calculation is your gross income, i.e. your income before taxes.
However, the calculation is not based on the actual interest rate, but on a calculatory interest rate. This is several percentage points higher than the mortgage interest rates charged on the market. This is because it is intended to take into account any interest rate increases that may occur in the medium and long term. After all, property financing should still be on a firm footing in 5 to 7 years' time.
Want to know your affordability? Click here for the calculator.
If you have a competent companion on the way to your dream property, you will reach your goal faster, easier and cheaper. MoneyPark advises you comprehensively on all questions concerning property financing and analyzes exactly your financing needs and your financial situation. Based on this, we search for the best possible offer for you. The basis of our success is our network of more than 150 Swiss mortgage lenders throughout Switzerland, which enables us to compare countless products.
Convenience for our customers is important to us, which is why MoneyPark will support you in person in over 15 locations across Switzerland. Arrange a consultation appointment in your region today.
Our branchesBranches in Aarau, Baden, Basel, Berne, Bulle, Fribourg, Geneva, Lausanne, Lugano, Morges, Neuchâtel, Nyon, Pfäffikon (SZ), Sion, St Gallen, Vevey, Winterthur, Zug, Zurich