Preconditions
- Natural persons with a permanent domicile in Switzerland
- Swiss citizens or foreigners with either a B or C residence permit
With a fixed-rate mortgage from PostFinance, you can protect yourself from rising interest rates. Throughout the selected term, the interest rate remains fixed.
Users of the comparison service comparis.ch give PostFinance a good rating for its mortgage services.
Mortgage with a fixed interest rate throughout the selected term
Term to maturity of 2 to 15 years
Direct or indirect amortization via retirement savings account 3a, PostFinance retirement funds or life insurance policies
Currency |
CHF |
---|---|
Maximum amount |
|
Reference interest rate |
SWAP rate with the same term to maturity Go to SWAP reference rates |
Interest due dates |
Quarterly (31.03. / 30.06. / 30.09. / 31.12.) |
Payment method |
Payments due are debited directly from your private account by Swiss Direct Debit (no inpayment slips are sent) |
Interest rates for new business valid as of 28.03.2024
Term | Interest rate p.a. |
---|---|
Term 2 years |
Interest rate p.a. from 1.89% |
Term 3 years |
Interest rate p.a. from 1.87% |
Term 4 years |
Interest rate p.a. from 1.87% |
Term 5 years |
Interest rate p.a. from 1.88% |
Term 6 years |
Interest rate p.a. from 1.90% |
Term 7 years |
Interest rate p.a. from 1.92% |
Term 8 years |
Interest rate p.a. from 1.94% |
Term 9 years |
Interest rate p.a. from 1.97% |
Term 10 years |
Interest rate p.a. from 1.99% |
Term 11 years |
Interest rate p.a. from 2.01% |
Term 12 years |
Interest rate p.a. from 2.03% |
Term 13 years |
Interest rate p.a. from 2.05% |
Term 14 years |
Interest rate p.a. from 2.06% |
Term 15 years |
Interest rate p.a. from 2.08% |
The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.
All interest rates apply to first-class residential real estate and borrowers (best creditworthiness). Individual customer interest rates are set according to risk. This means that the loan-to-value and financial burden ratios for individual customers have an impact on the amount of interest payable.
The interest rates for fixed-rate mortgages can be set with a surcharge up to 540 days before payout.
CHF 100 |
Extension fee |
---|---|
CHF 250 |
Credit modification charge (such as change of borrower, change of collateral, change of mortgage to another provider upon expiry, extraordinary amortization or suspension/change of amortization, change from a LIBOR mortgage / Saron mortgage to a fixed-rate mortgage, increases) |
CHF 500 |
Premature withdrawal from loan agreement |
Third-party fees (e.g. land register fees or notary costs) will be passed on to the borrower.
With a mortgage, you receive a discount of CHF 5 on your banking package.
PostFinance works with the following cooperation partners to offer financing services: Valiant Bank AG, Münchener Hypothekenbank eG, Munich, and CredEx AG, Zurich.