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I know the practice of banks selling customer's mortgages to other institutions is commonplace in some countries. What about Switzerland? Can my Swiss bank transfer the mortgage on my home to another bank or investor?
Greetings,
The practice of lenders selling mortgages to other lenders or investors is not prohibited in Switzerland. A bank or other mortgage holder can sell or transfer the mortgage to another lender or investor. Interest and repayments then go to the new mortgage holder.
Whether or not a mortgage can be transferred to another holder is governed by the terms and conditions of your mortgage agreement. A number of Swiss banks include clauses which allow them to transfer the mortgage to another entity in mortgage agreements. If you do not want your mortgage sold to another lender, make sure to study agreements carefully before signing. Banks may adapt or exclude this clause upon request.
Best regards from Moneyguru
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