Homegate variable-rate mortgage
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Swiss adjustable-rate mortgage
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Online mortgage
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In cooperation with Zuercher Kantonalbank
General information:
Not specified.
Minimum amount:
CHF 100,000
Maximum amount:
CHF 1,500,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization
Conditions and costs:
No mortgages are granted to US-Persons, persons with tax domicile outside of Switzerland and communities of heirs. Homegate does not finance real estate in agricultural zones and in building rights and does not grant mortgages if they are in the name of more than 2 persons.
Loan-to-value ratio:
The maximum loan-to-value for residential property is between 65 to 80 percent, and the maximum loan-to-value for vacation property is between 65 to 75 percent (depending on the property and income).
Affordability:
The mortgage costs must not exceed a third of your income.
Second mortgage:
Second mortgages are available.
Notice period:
No notice period.
Amortization:
Depending on credit-worthiness and type of property.
Interest charge frequency:
Not specified.
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