Prepaid card

PostFinance fixed-rate mortgage

  • Swiss fixed-rate mortgage

  • In cooperation with other banks

General information:
Not specified.
Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.15%

Fixed-rate mortgage 3 years: 1.25%

Fixed-rate mortgage 4 years: 1.35%

Fixed-rate mortgage 5 years: 1.45%

Fixed-rate mortgage 6 years: 1.52%

Fixed-rate mortgage 7 years: 1.58%

Fixed-rate mortgage 8 years: 1.64%

Fixed-rate mortgage 9 years: 1.69%

Fixed-rate mortgage 10 years: 1.76%

Fixed-rate mortgage 11 years: 1.8%

Fixed-rate mortgage 12 years: 1.83%

Fixed-rate mortgage 13 years: 1.87%

Fixed-rate mortgage 14 years: 1.92%

Fixed-rate mortgage 15 years: 1.94%

Update:
03/31/2025
Minimum amount:
CHF 50,000
Maximum amount:
CHF 1,200,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation
Conditions and costs:

Loan modification fee: CHF 250. Early withdrawal from the loan agreement: CHF 500.

Loan-to-value ratio:

Maximum loan of 80% of the property value for owner-occupied properties; maximum loans of 75% of the property value for holiday properties.

Affordability:
The mortgage costs must not exceed a third 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:

Direct or indirect amortization through your retirement savings account 3a, PostFinance Pension 25/45 or life insurance plans.

Interest charge frequency:

The interest must be paid quarterly.


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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