Private Accounts

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%

Update:
03/31/2025
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.

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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»

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Up to CHF 550 Benefit

Amex Gold & Alpian Account

50% off the annual fee in first year