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: 1.35%

Fixed-rate mortgage 3 years: 1.41%

Fixed-rate mortgage 4 years: 1.46%

Fixed-rate mortgage 5 years: 1.51%

Fixed-rate mortgage 6 years: 1.56%

Fixed-rate mortgage 7 years: 1.6%

Fixed-rate mortgage 8 years: 1.64%

Fixed-rate mortgage 9 years: 1.68%

Fixed-rate mortgage 10 years: 1.71%

Update:
12/26/2024
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.


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Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss digital bank

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  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

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