Valiant fixed-rate mortgage

Swiss fixed-rate mortgage

General information:

Forward mortgage: you can fix your rates on a forward basis for up to 12 months in advance by paying an additional premium. Family discount available.

Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.83%

Fixed-rate mortgage 3 years: 1.93%

Fixed-rate mortgage 4 years: 1.93%

Fixed-rate mortgage 5 years: 1.93%

Fixed-rate mortgage 6 years: 1.94%

Fixed-rate mortgage 7 years: 1.97%

Fixed-rate mortgage 8 years: 2%

Fixed-rate mortgage 9 years: 2.01%

Fixed-rate mortgage 10 years: 2.04%

Update:

09/14/2024

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:

Family discount

Conditions and costs:

Discharge costs: CHF 500.

Loan-to-value ratio:

The maximum loan-to-value ratio for your property is 67%.

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:

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.

Interest charge frequency:

Quarterly.