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Mortgage Comparison Switzerland2025
Find the cheapest mortgage in Switzerland. Compare fixed-rate, SARON and variable mortgages from all Swiss banks.
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What you should know
A mortgage is the biggest financial decision in life for most Swiss residents. The Swiss real estate market is one of the most stable in the world, and mortgage rates are still at a moderate level despite recent increases.
In Switzerland, there are various mortgage models: Fixed-rate mortgages offer interest rate security for 2-15 years, while SARON mortgages (formerly Libor) are linked to the money market and benefit when rates fall. Variable-rate mortgages offer maximum flexibility but also carry interest rate risks.
Affordability is a central criterion in Switzerland. The rule states that calculated housing costs (5% mortgage interest + amortization + ancillary costs) may not exceed one third of gross income. Additionally, 20% equity is generally required, of which at least 10% must not come from the 2nd pillar.
A mortgage comparison can easily save CHF 20,000 to CHF 50,000 over the term. Even small interest rate differences of 0.1% to 0.2% add up to substantial amounts on high mortgages.
Expert tips
Get quotes from at least 5 different providers – banks, insurers, and pension funds often have different conditions.
Consider whether an interest rate split makes sense: e.g., 50% fixed-rate mortgage and 50% SARON mortgage for a balanced strategy.
Negotiate! The first rate is rarely the best. Especially with good creditworthiness, you have room to negotiate.
Note the notice periods for fixed-rate mortgages. Early termination can be expensive (early repayment penalty).
Plan amortization strategically: Indirect amortization via pillar 3a offers tax advantages.
Frequently asked questions
How much equity do I need for a mortgage in Switzerland?
As a rule, you need at least 20% equity. At least 10% must come from "hard" equity (savings, 3rd pillar). The remaining 10% can come from the pension fund (2nd pillar).
What is the affordability calculation?
Affordability calculates whether you can afford the mortgage. Calculated costs (5% mortgage rate + 1% ancillary costs + amortization) may not exceed 33% of your gross income.
Fixed-rate mortgage or SARON mortgage – which is better?
It depends on your risk tolerance. Fixed-rate mortgages offer planning security with fixed rates. SARON mortgages are often cheaper but follow market rates. A mixed strategy can make sense.
Can I transfer my mortgage to another institution?
Yes, when the fixed-rate mortgage expires, you can switch providers. During the term, a switch is usually only possible for an early repayment penalty.
What additional costs are involved when buying a house?
Expect 3-5% of the purchase price for: transfer tax, notary fees, land registry fees, and possibly broker fees. These vary considerably depending on the canton.
Disclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.