
Saron mortgage
Your mortgage for flexibility
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With a Saron mortgage, you can benefit from low or falling interest rates thanks to the market-oriented interest rate. If you expect interest rates to rise, you can easily switch to a fixed-rate mortgage.
Saron mortgage: interest adjustment every three months
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Pay less when interest rates fall
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Fast online access to your personal offer
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Free consultation
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Term: 3 years
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Switch flexibly to a fixed-rate mortgage
Current interest rate for the Saron mortgage
Interest rates for new business valid as of 08.10.2025 (09:15). The interest rates are the standard rates for best creditworthiness when financing an owner-occupied residential property. Data is provided for information purposes only and is non-binding.
Term | Interest rate |
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Term 3 years |
Interest rate Compounded SARON® 3 months + from 1.00% margin |
How the Saron mortgage works
More details can be found in the The link will open in a new window Saron mortgage factsheet (PDF).
Calculate your mortgage and receive an offer
Check whether owning your own home is financially viable and receive your personal quotation – directly online or in a free consultation, with no obligation.
The prices and conditions apply both to initial financing and to the renewal or extension of a mortgage.
Preconditions |
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Minimum amount |
CHF 100,000 |
Interest due date |
Quarterly |
Loan |
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Load |
max. 33% of gross income |
Account management |
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Other conditions, such as for any credit changes, can be found in the price list.
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The Saron mortgage is the right choice if you are willing and able to take the risk of interest rate fluctuations.
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The Saron mortgage is market-oriented. The interest rate is adjusted accordingly if the reference interest rate (also known as the basic interest rate) rises or falls. This can be both an advantage and a disadvantage for you as a customer.
With PostFinance, you have the option of converting your Saron mortgage into a fixed-rate mortgage at the end of the quarter. This means you can benefit from lower interest rates if interest rates are lower, or you can protect yourself against rising costs by switching to a fixed-rate mortgage if interest rates rise, so you can remain flexible throughout the Saron mortgage term.
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PostFinance works with the following cooperation partners to provide financing services:
- CredEx AG, Zurich
- Münchener Hypothekenbank eG, Munich
- Valiant Bank AG, Bern
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In our checklist, you will find an overview of the standard documents. Please feel free to contact our experts to clarify your individual situation so that we can assist you in obtaining your documents.
The link will open in a new window Checklist for mortgage application (PDF)
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You can amortize your Saron mortgage directly (the capital amount of the mortgage is reduced) or indirectly (the capital amount of the mortgage remains unchanged) via your retirement savings account 3a and your PostFinance retirement funds or your life insurance policies.
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The interest rate is made up of two parts:
- Compounded SARON: an average interest rate calculated from the daily SARON values over the respective interest period (usually three months).
- Individual margin: a constant surcharge from the bank that remains the same throughout the term.
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Yes, with PostFinance you can switch at the end of each quarter. This provides flexibility to respond to interest rate developments.
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Yes, a combination with fixed-rate mortgages is possible to take advantage of both models. This can help to manage the interest rate risk.
Your next step towards a Saron mortgage
Calculate mortgage
Find out right away whether owning your own home is financially viable.
Create a quotation online
Create and download your own personal offer.
Free consultation
Find the right mortgage with us – in a branch, online or by phone.