Prepaid card

PostFinance fixed-rate mortgage

  • Swiss fixed-rate mortgage

  • In cooperation with other banks

General information:
Not specified.
Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.9%

Fixed-rate mortgage 3 years: 1.88%

Fixed-rate mortgage 4 years: 1.88%

Fixed-rate mortgage 5 years: 1.88%

Fixed-rate mortgage 6 years: 1.9%

Fixed-rate mortgage 7 years: 1.92%

Fixed-rate mortgage 8 years: 1.94%

Fixed-rate mortgage 9 years: 1.96%

Fixed-rate mortgage 10 years: 1.98%

Fixed-rate mortgage 11 years: 2.06%

Fixed-rate mortgage 12 years: 2.08%

Fixed-rate mortgage 13 years: 2.09%

Fixed-rate mortgage 14 years: 2.1%

Fixed-rate mortgage 15 years: 2.11%

Update:
05/12/2024
Minimum amount:
CHF 50,000
Maximum amount:
CHF 1,200,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation
Conditions and costs:

Loan modification fee: CHF 250. Early withdrawal from the loan agreement: CHF 500.

Loan-to-value ratio:

Maximum loan of 80% of the property value for owner-occupied properties; maximum loans of 75% of the property value for holiday properties.

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:

Direct or indirect amortization through your retirement savings account 3a, PostFinance Pension 25/45 or life insurance plans.

Interest charge frequency:

The interest must be paid quarterly.