Fixed-rate mortgage

With a fixed interest rate

With a fixed-rate mortgage from PostFinance, you can protect yourself from rising interest rates. Throughout the selected term, the interest rate remains fixed.

Commendation for PostFinance mortgages

Users of the comparison service comparis.ch give PostFinance a good rating for its mortgage services.

Comparis.ch customer satisfaction mortgages good 5.1 (06/2023)

Fixed-rate mortgage: costs can be calculated precisely

  • 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

  • Preconditions

    • Natural persons with a permanent domicile in Switzerland
    • Swiss citizens or foreigners with either a B or C residence permit 

    Services

    Currency
    CHF
    Maximum amount
    • Single-family homes (owner-occupied): max. 80% of property value
    • Apartments (owner-occupied): max. 80% of property value
    • Holiday homes/apartments: max. 75% of property value
    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)
  • Current interest rates for fixed-rate mortgages

    Interest rates for new business valid as of 29.02.2024

    TermInterest rate p.a.
    Term
    2 years
    Interest rate p.a.
    from 1.92% 
    Term
    3 years
    Interest rate p.a.
    from 1.89%
    Term
    4 years
    Interest rate p.a.
    from 1.89%
    Term
    5 years
    Interest rate p.a.
    from 1.90%
    Term
    6 years
    Interest rate p.a.
    from 1.93%
    Term
    7 years
    Interest rate p.a.
    from 1.95%
    Term
    8 years
    Interest rate p.a.
    from 1.98%
    Term
    9 years
    Interest rate p.a.
    from 2.01%
    Term
    10 years
    Interest rate p.a.
    from 2.03%
    Term
    11 years
    Interest rate p.a.
    from 2.07%
    Term
    12 years
    Interest rate p.a.
    from 2.08%
    Term
    13 years
    Interest rate p.a.
    from 2.10%
    Term
    14 years
    Interest rate p.a.
    from 2.11%
    Term
    15 years
    Interest rate p.a.
    from 2.13%

    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.

    Terms for interest rates

    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.

  • Minimum amount/loan

    • Minimum amount: CHF 100,000
    • Loan: max 80% of the property value for owner-occupied properties; max 75% of the property value for holiday properties
    • Financial burden: max 33% of gross income

    Fees

    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.

    Discount on Smart and SmartPlus banking packages

    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.

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