Prepaid card
PostFinance SARON mortgage
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Swiss SARON mortgage
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In cooperation with other banks
General information:
Switch to provider's fixed-rate mortgage possible at end of quarter for CHF 250.
Approximate markup (as a %):
3-year SARON mortgage, 3-month interest term: 0.79%
Update:
04/28/2024
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 1,200,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation
Conditions and costs:
The account management is free of charge with a mortgage of PostFinance.
Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 80%.
Affordability:
The mortgage costs must not exceed a third 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:
Direct or indirect amortization through your retirement savings account 3a, PostFinance Pension 25/45 or life insurance plans.
Interest charge frequency:
The interest must be paid quarterly.
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