Appenzeller Kantonalbank fixed-rate mortgage

Not specified.

Fixed-rate mortgage 1 year: 1.2%

Fixed-rate mortgage 2 years: 1.2%

Fixed-rate mortgage 3 years: 1.25%

Fixed-rate mortgage 4 years: 1.35%

Fixed-rate mortgage 5 years: 1.45%

Fixed-rate mortgage 6 years: 1.5%

Fixed-rate mortgage 7 years: 1.55%

Fixed-rate mortgage 8 years: 1.6%

Fixed-rate mortgage 9 years: 1.65%

Fixed-rate mortgage 10 years: 1.7%

04/20/2025

CHF 100,000

Not specified.

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

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

Start bonus, Family discount

Not specified.

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

The mortgage costs must not exceed 35% 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 twice a year.