Swiss Life fixed-rate mortage

Swiss fixed-rate mortgage

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General information:

Forward mortgage: possible up to 18 months in advance. Additional discount with Home Option / Option Complete on fixed mortgages up to CHF 400,000 (only with insurance with Swiss Life) possible.

Indicative mortgage rates (in %):

Fixed-rate mortgage 3 years: 1.42%

Fixed-rate mortgage 4 years: 1.42%

Fixed-rate mortgage 5 years: 1.41%

Fixed-rate mortgage 6 years: 1.44%

Fixed-rate mortgage 7 years: 1.49%

Fixed-rate mortgage 8 years: 1.51%

Fixed-rate mortgage 9 years: 1.54%

Fixed-rate mortgage 10 years: 1.57%

Fixed-rate mortgage 11 years: 1.61%

Fixed-rate mortgage 12 years: 1.65%

Fixed-rate mortgage 13 years: 1.67%

Fixed-rate mortgage 14 years: 1.7%

Fixed-rate mortgage 15 years: 1.74%

Fixed-rate mortgage 16 years: 1.77%

Fixed-rate mortgage 17 years: 1.81%

Fixed-rate mortgage 18 years: 1.84%

Fixed-rate mortgage 19 years: 1.86%

Fixed-rate mortgage 20 years: 1.89%

Update:

01/22/2025

Minimum amount:

CHF 250,000

Maximum amount:

Not specified.

Types of property:

Primary residence, Investment property, Commercial property

Types of financing:

New mortgage, Refinancing, First mortgage, Second mortgage, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation

Conditions and costs:

Special interest rates for income property.

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:

There is no early repayment fee in the event of termination as part of a property sale (except in the case of a sale to family or relatives). Otherwise, termination during the agreed contract period is not possible without an early repayment fee.

Amortization:

Not specified.

Interest charge frequency:

The interest must be paid quarterly.