Therefore, it is crucial to know the current interest rates in order to make informed financial decisions. Mortgage interest rates directly affect your monthly mortgage payments and the overall cost of your property finance. The importance of current mortgage rates: Find out how these interest rates influence the real estate market and how you can benefit from favourable conditions. As a leading expert in the Swiss real estate market, MoneyPark presents you with the current mortgage interest rates on an ongoing basis. Mortgage interest rates play a crucial role in real estate financing. Therefore, obtain independent information in advance and get an initial overview of current mortgage interest rates with our comparison.
Unless you pay your bank an early repayment penalty, which can quickly amount to several thousand Swiss francs.īuying your own home is not only an important life decision, but also a far-reaching financial transaction. This applies in particular to long-term fixed-rate mortgages, from which you cannot normally exit early. Because even small differences in mortgage interest rates can quickly amount to savings of tens of thousands of francs over the entire term.
MoneyPark's mortgage comparison saves you money and time. However, due to the high complexity of construction projects, you should definitely seek independent advice for financing your construction project.ĭo you want to save yourself the tedious and time-consuming trip from bank to bank? Then our comparison offers you a quick and uncomplicated overview of the best interest rates for your loan in Switzerland. Since construction financing is a special form of mortgage, it is offered almost exclusively by banks. The range of providers for construction financing is somewhat more limited. Insurance companies are very competitive, especially for long terms, and often offer favourable mortgage interest rates. In addition to banks, you should always include insurance companies and pension funds in the comparison. We always recommend that our clients obtain several offers from different providers. After all, you must still be able to service your loan in the event of an accident or disability. Regardless of the choice of mortgage, you should always analyse your own provision when buying a property. If you attach more importance to flexibility and can also cope with rising interest rates, then the favourable Saron mortgage may be a good choice for you.
If you are not planning any career changes and are planning to start a family, for example, and therefore need long-term budget security and the ability to plan, then a fixed-rate mortgage with a long term may make sense.
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In addition to the choice of product (fixed-rate mortgage, Saron or variable-rate mortgage), you should definitely also think about the term and amount of the loan, taking your personal and professional situation into account. Only then can a loan also be financed in the long term. Because a mortgage must be optimally tailored to your individual situation. If you are not sure whether you can afford your dream property, then use the MoneyPark mortgage calculator or contact our experienced advisors. But beware: banks do not calculate the interest costs with the actual mortgage interest, but with a so-called imputed interest of 5 percent. In addition to the interest costs, the running costs also include the amortisation as well as the ancillary costs and the maintenance of the property. To meet the affordability requirement, you may not spend more than one third of your gross income on the running costs of the property. You can also draw on funds from the second pillar or contribute your private provision. Banks finance up to a maximum of 80 percent of the property, the rest you have to contribute from your own funds. The loan-to-value ratio describes the ratio of the loan to the value of the property. Request advice now!īefore deciding on a mortgage strategy, make sure you meet the banks' two main criteria: the affordability and the loan-to-value. Your personal mortgage rate may differ due to the loan-to-value ratio, affordability, loan amount and property location. The interest rates shown are current top conditions and professionally renegotiated by MoneyPark.
If you are not sure which option is best for you, our experienced advisors will be happy to help. In the table above, we present the best mortgage interest rates from over 150 financing partners - including banks, insurance companies and pension funds - for various mortgage types and terms.
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*The Saron value shown here is made up of the current Saron overnight plus the mortgage provider's individual margin.
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