Bank Avera fixed-rate mortgage

Bonus: No mortgage fees for the first 3 months. Forward mortgage: can be fixed up to 24 months in advance.

Fixed-rate mortgage 1 year: 1.35%

Fixed-rate mortgage 2 years: 1.49%

Fixed-rate mortgage 3 years: 1.55%

Fixed-rate mortgage 4 years: 1.61%

Fixed-rate mortgage 5 years: 1.67%

Fixed-rate mortgage 6 years: 1.72%

Fixed-rate mortgage 7 years: 1.76%

Fixed-rate mortgage 8 years: 1.8%

Fixed-rate mortgage 9 years: 1.84%

Fixed-rate mortgage 10 years: 1.88%

01/21/2025

CHF 100,000

Not specified.

Primary residence, Secondary residence, Holiday home, Investment property, Commercial property

New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Forward mortgage

Minergie discount, Start bonus

Financing framework agreement: CHF 200. Product confirmation: CHF 100. Replacement by third party: CHF 350.

The maximum loan-to-value ratio for your property is 80%.

The mortgage costs must not exceed 35% of your income.

Second mortgages are available.

An early withdrawal from the mortgage agreement is possible only if a compensation for the early termination is paid.

You don't have to pay off the first mortgage. You have to pay off the second mortgage in full within 15 years.
Direct amortization is available.
Indirect amortization is available.

The interest must be paid quarterly.