Private Accounts

Baloise fixed-rate mortgage

  • Swiss fixed-rate mortgage

General information:

Savings of 0.4% on the mortgage interest rate possible (start-up bonus 0.25%, insurance bonus 0.1%, investment bonus 0.05%). If the insurance and investment solutions are used less, the interest rate increases accordingly.

Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.39%

Fixed-rate mortgage 3 years: 1.51%

Fixed-rate mortgage 4 years: 1.63%

Fixed-rate mortgage 5 years: 1.7%

Fixed-rate mortgage 6 years: 1.78%

Fixed-rate mortgage 7 years: 1.85%

Fixed-rate mortgage 8 years: 1.9%

Fixed-rate mortgage 9 years: 1.98%

Fixed-rate mortgage 10 years: 2.02%

Update:
03/31/2025
Minimum amount:
CHF 100,000
Maximum amount:
Not specified.
Types of property:
Primary residence, Investment property
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Indirect amortization
Discounts:
Start bonus
Conditions and costs:

No mortgages for construction land.

Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 80%.
Affordability:
The mortgage costs must not exceed 35% of your income.
Second mortgage:
Second mortgages are available.
Notice period:

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

Amortization:
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 not available.
Indirect amortization is available.
Interest charge frequency:

The interest must be paid quarterly.


Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

Amex Gold & Alpian Account

  • 50% off the annual fee in first year

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Swiss Trading Platform

Cornèrtrader Special Offer

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Amex promotion until April 6

Amex Platinum Card

  • 50% off the annual fee in the first year

  • Extra bonus: 75,000 instead of 45,000 Membership Rewards points

  • Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

Amex Gold & Alpian Account

  • 50% off the annual fee in first year

  • 45'000 bonus points (instead of 15'000)

  • CHF 75 Moneyland-Bonus (Code LAND25) + CHF 50 Alpian bonus

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

  • Swiss online bank with FINMA license

Amex promotion until April 6

Amex Platinum Card

  • 50% off the annual fee in the first year

  • Extra bonus: 75,000 instead of 45,000 Membership Rewards points

  • Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Deal of the Day
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Up to CHF 550 Benefit

Amex Gold & Alpian Account

50% off the annual fee in first year