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SGKB variable-rate mortgage

  • Swiss adjustable-rate mortgage
General information:

Minergie and family discounts available.

Indicative mortgage rates (in %):

Variable first mortgage: 3%

Update:
12/21/2024
Minimum amount:
No minimum amount.
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 a third 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:

The interest must be paid quarterly.

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Cantonal Bank of St. Gallen (SGKB)

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