ZKB fixed-rate mortgage

Swiss fixed-rate mortgage

General information:

Forward mortgage: you can fix your rates on a forward basis for up to 24 months in advance by paying an additional premium. Minergie and starting discounts available.

Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.59%

Fixed-rate mortgage 3 years: 1.61%

Fixed-rate mortgage 4 years: 1.64%

Fixed-rate mortgage 5 years: 1.67%

Fixed-rate mortgage 6 years: 1.7%

Fixed-rate mortgage 7 years: 1.73%

Fixed-rate mortgage 8 years: 1.76%

Fixed-rate mortgage 9 years: 1.79%

Fixed-rate mortgage 10 years: 1.82%

Fixed-rate mortgage 11 years: 1.95%

Fixed-rate mortgage 12 years: 1.97%

Fixed-rate mortgage 13 years: 2.04%

Fixed-rate mortgage 14 years: 2.05%

Fixed-rate mortgage 15 years: 2.07%

Update:

11/24/2024

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, Forward mortgage

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 the 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:

The interest must be paid quarterly.