English

Lowest value principle

The lowest value principle (or lower of cost or market principle) dictates that, for purposes relating to property mortgage finance or property ownership transfer of any kind, the lower of a property’s realizable market value and the purchasing price (that is the collateral value) takes precedence. The lowest value principle is crucial to mortgage viability checks (see loan-to-value ratio).

More information:
Swiss mortgage rates compared
What is a loan-to-value ratio?
What is a second mortgage?
Indirect Amortization - simply explained
Amortization - simply explained
Affordability explained

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 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

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

Secure offer now

Free credit card

Migros Cumulus Visa

No annual fees
With Cumulus points
Without foreign currency fees

Learn more now

Free credit card

Swisscard Cashback Cards Amex

No annual fees
Two cards Amex & Visa/Mastercard
With cash back

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

Free bank account

Yuh

No account fees
Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now

Swiss digital bank

Alpian

CHF 75 welcome bonus with referral code LAND25.
Favorable foreign exchange rates
Multi-currency account with Visa card (CHF, EUR, USD, GBP)

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

Free bank account

Yuh

No account fees
Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now

Swiss digital bank

Alpian

CHF 75 welcome bonus with referral code LAND25.
Favorable foreign exchange rates
Multi-currency account with Visa card (CHF, EUR, USD, GBP)

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

protected by
reCAPTCHA
Privacy - Terms

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