ZKB fixed-rate mortgage

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.

Fixed-rate mortgage 2 years: 1.53%

Fixed-rate mortgage 3 years: 1.62%

Fixed-rate mortgage 4 years: 1.7%

Fixed-rate mortgage 5 years: 1.78%

Fixed-rate mortgage 6 years: 1.85%

Fixed-rate mortgage 7 years: 1.92%

Fixed-rate mortgage 8 years: 1.98%

Fixed-rate mortgage 9 years: 2.03%

Fixed-rate mortgage 10 years: 2.08%

Fixed-rate mortgage 11 years: 2.23%

Fixed-rate mortgage 12 years: 2.27%

Fixed-rate mortgage 13 years: 2.35%

Fixed-rate mortgage 14 years: 2.37%

Fixed-rate mortgage 15 years: 2.4%

03/31/2025

No minimum amount.

Not specified.

Primary residence, Secondary residence, Holiday home, Investment property, Commercial property

New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Forward mortgage

Minergie discount, Start bonus

Not specified.

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

The mortgage costs must not exceed a third of your income.

Second mortgages are available.

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

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.

The interest must be paid quarterly.