Mortgages
Bank Avera fixed-rate mortgage
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Swiss fixed-rate mortgage
General information:
Bonus: No mortgage fees for the first 3 months. Forward mortgage: can be fixed up to 24 months in advance.
Indicative mortgage rates (in %):
Fixed-rate mortgage 1 year: 2.37%
Fixed-rate mortgage 2 years: 2.37%
Fixed-rate mortgage 3 years: 2.37%
Fixed-rate mortgage 4 years: 2.38%
Fixed-rate mortgage 5 years: 2.4%
Fixed-rate mortgage 6 years: 2.42%
Fixed-rate mortgage 7 years: 2.45%
Fixed-rate mortgage 8 years: 2.48%
Fixed-rate mortgage 9 years: 2.5%
Fixed-rate mortgage 10 years: 2.53%
Update:
04/25/2024
Minimum amount:
CHF 100,000
Maximum amount:
Not specified.
Types of property:
Primary residence, Secondary residence, Holiday home, Investment property, Commercial property
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Forward mortgage
Discounts:
Minergie discount, Start bonus
Conditions and costs:
Financing framework agreement: CHF 200. Product confirmation: CHF 100. Replacement by third party: CHF 350.
Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 80%.
Affordability:
The mortgage costs must not exceed 35% 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:
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.
Direct amortization is available.
Indirect amortization is available.
Interest charge frequency:
The interest must be paid quarterly.
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