The most favorable terms for your mortgage

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 is about to replace the Libor in Switzerland. Unlike the Libor, the interest rate of the Saron 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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