Prepaid card

PostFinance SARON mortgage

  • Swiss SARON mortgage

  • In cooperation with other banks

General information:

Switch to provider's fixed-rate mortgage possible at end of quarter for CHF 250.

Approximate markup (as a %):

3-year SARON mortgage, 3-month interest term: 0.79%

Update:
11/24/2024
Calculation variant compounded SARON:
Variant 3: Payment of interest at the end of the interest term; determined earlier; observation period set back slightly.
Minimum amount:
CHF 100,000
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:

The account management is free of charge with a mortgage of PostFinance.

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

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

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

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

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

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

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Funds

Allianz Fund Investments

Special offer with CHF 200 welcome bonus