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Current mortgage rates
*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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- What is a mortgage?
- Anyone who wants to finance their dream property usually needs a mortgage to do so. But what exactly is the definition of a mortgage?
Learn more - What does amortization mean?
- The term amortization refers to the repayment of a mortgage loan. But what are the different options, and what are their benefits and drawbacks?
Learn more - What is swap?
- When speaking of the swap rate, we are referring to the interest costs on which a mortgage is based on the part of the provider. The financial institution's margin is added to the swap rate, resulting in the mortgage rate for the property buyer.
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Learn more about the different mortgage types
- Fixed-rate mortgage
- In a fixed-rate mortgage, the mortgage holder and the borrower agree on an interest rate that remains the same over the entire term of the mortgage. Although the borrower does not benefit from falling interest rates, he also does not have to bear any additional costs if interest rates rise. This guarantees a high degree of financial planning security.
Fixed-rate mortgage - Saron mortgage
- The Saron (Swiss average rate overnight) has replaced the Libor in Switzerland since the beginning of 2022. In contrast to Libor, the Saron interest rate is based on actual transactions and is therefore more transparent. In the past, the interest rates of Libor and Saron were generally very similar.
Saron mortgage - Libor mortgage
- The Libor mortgage is based on the London Interbank Offered Rate, i.e. the interest rate at which financial institutions lend money to each other. The bank sets its margin on this interest rate, resulting in the actual interest rate for the borrower. The Libor mortgage is adjusted to the current Libor rate every 3, 6 or 12 months, depending on the contract. Although the borrower can benefit from a falling Libor, a rising Libor can also lead to additional costs.
Libor mortgage - Variable-rate mortgage
- The variable-rate mortgage is the most expensive of the three types of mortgage in the current low interest rate environment and is normally only used for short-term interim financing. The variable-rate mortgage has no fixed term, it is only subject to a period of notice.
Variable-rate mortgage
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Find the optimal mortgage for your dream property with MoneyPark
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.
Two basic requirements for any financing
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:
Loan-to-value ratio
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.
Affordability
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.
Competent mortgage advice by MoneyPark
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.
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We look forward to hearing from you
Convenience for our customers is important to us, which is why MoneyPark will support you in person in over 20 branches across Switzerland. Arrange a consultation appointment in your region today.
Our branchesBranches in Aarau, Baden, Basel, Berne, Bulle, Chur, Fribourg, Geneva, Lausanne, Lugano, Morges, Neuchâtel, Nyon, Olten, Pfäffikon (SZ), St Gallen, Sursee, Vevey, Winterthur, Zug, Zurich