Collateral Value

The term «collateral value» is used in credit checks relating to a secured loan, primarily mortgages. In Switzerland, either the market value or purchase price of a property, whichever is lower, determines its value as collateral against a loan.

Since 2014, Swiss banking guidelines have followed the lower of cost or market value principle. According to this principle, a property’s collateral value is always used when calculating the loan-to-value ratio of a mortgage. Before 2014, the loan-to-value ratio was often based on the purchase price of a property, even if that price was inflated in relation to actual market value.

More information:
Mortgages in Switzerland compared
First mortgage - simply explained
Amortization - simply explained
What is a loan-to-value ratio?

Compare mortgages

Find the most favorable mortgage now

Compare now
Trading platforms

Brokers with low fees

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

Benefit now
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

Benefit now
Deal of the Day
×
Swiss Trading Platform

Cornèrtrader Special Offer

Special offer: particularly favorable conditions for Moneyland users

Learn more See all deals
Request now for free

Leading credit cards

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Learn more now
Request now for free

Cheap bank accounts with card

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Learn more
Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Benefit now
Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Benefit now
Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

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

Benefit now
Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now
Request now for free

Cheap bank accounts with card

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Learn more
Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Benefit now
Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Benefit now
Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

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

Benefit now
Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now
Expert Felix Oeschger
Felix Oeschger is an analyst and expert at moneyland.ch. He is responsible for several core topics.

Information

About moneyland.ch

 

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. More than 100 unbiased comparison tools and calculators are available on moneyland.ch, along with useful financial guides and timely news. The comprehensive comparison tools help you to find the right insurance policies, bank accounts, credit and prepaid cards, loans, mortgages, trading accounts and telecom products for your needs. The guarantee of independence applies.

Compare Mortgages

Company
Users
Banks & Telecom
Insurance & Pensions
SSL
Swiss Made Logo
reCAPTCHA protected by
reCAPTCHA
Privacy - Terms

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. Contact us