Credit Cards
Migros Bank SARON mortgage
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Swiss SARON mortgage
General information:
Switch to provider's fixed-rate mortgage possible for a fee.
Approximate markup (as a %):
Unlimited-term SARON mortgage, 3-month interest term: 0.8%
Update:
05/04/2024
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:
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, Renovation
Conditions and costs:
An administrative fee is levied when you convert existing mortgages into another mortgage model or extend the mortgage term.
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:
Notice period of 6 months.
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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