Luzerner Kantonalbank variable mortgage

Swiss adjustable-rate mortgage

General information:

Family discount of 0.4% (for max. CHF 250,000) for 3 years. Energy-saving mortgage of 0.5% for max. 5 years. Maximum discounted capital: CHF 250,000 (owner-occupied home/holiday property) or CHF 500,000 (multi-family house/commercial property). In any case, maximum 50% of the total financing.

Indicative mortgage rates (in %):

Variable first mortgage: 3%

Variable second mortgage: 4%

Update:

01/21/2025

Minimum amount:

Not specified.

Maximum amount:

Not specified.

Types of property:

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

Types of financing:

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

Discounts:

Minergie discount, Family discount

Conditions and costs:

Not specified.

Loan-to-value ratio:

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

Affordability:

The mortgage costs must not exceed 34% of your income.

Second mortgage:

Second mortgages are available.

Notice period:

Notice period of 6 months.

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 available.
Indirect amortization is available.

Interest charge frequency:

Not specified.