UBS fixed-rate mortgage

Swiss fixed-rate mortgage

General information:

UBS Forward mortgage: conclusion up to 12 months in advance. Interest discounts for the following additional mortgages: «first home» (interest bonus during 3 years for financing the new home for the first time), «eco» (interest bonus for sustainable «Minergie» or «GEAK» buildings), «renovation» (for carrying out home renovations).

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, Early withdrawal of pension funds, Forward mortgage, Renovation

Discounts:

Minergie discount, Start bonus

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:

An early withdrawal from mortgage agreement is possible only if a compensation for the early termination is paid.

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.