GLKB Hypomat rollover mortgage
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Swiss SARON mortgage
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Online mortgage
General information:
Switch to provider's fixed-rate mortgage possible for CHF 250.
Approximate markup (as a %):
2-year SARON mortgage, 3-month interest term: 0.69%
3-year SARON mortgage, 3-month interest term: 0.7%
4-year SARON mortgage, 3-month interest term: 0.71%
5-year SARON mortgage, 3-month interest term: 0.71%
Update:
05/05/2024
Calculation variant compounded SARON:
Variant 3: Payment of interest at the end of the interest term; determined earlier; observation period set back slightly.
Minimum amount:
CHF 100,000
Maximum amount:
CHF 1,000,000
Types of property:
Primary residence, Holiday home, Investment property
Types of financing:
New mortgage, First mortgage
Conditions and costs:
No 2nd mortgage possible. Fees in the amount of CHF 200 at renewal.
Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 67%.
Affordability:
The mortgage costs must not exceed 40% of your income.
Second mortgage:
Second mortgages are not available.
Notice period:
An early withdrawal from the mortgage agreement is possible only if a compensation for the early termination is paid.
Amortization:
Second mortgages are not available.
Interest charge frequency:
The interest must be paid quarterly.
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