With a fixed-rate mortgage from PostFinance, you can protect yourself from rising interest rates. Throughout the selected term, the interest rate remains fixed.
Take out a mortgage and reap the rewards: ten years from 0.95%Take out a mortgage and reap the rewards: ten years from 0.95%
We will give you 500 francs if you take out a new fixed-rate mortgage, or if you switch from an existing third-party mortgage to one provided by PostFinance. This offer is valid until 04 December 2020.
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
Reference interest rateSWAP rate with the same term to maturity
- 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
Go to SWAP and LIBOR reference ratesInterest due datesQuarterly (31.03. / 30.06. / 30.09. / 31.12.)Payment methodPayments due are debited directly from your private account by Swiss Direct Debit (no inpayment slips are sent)
Mortgage interest rates valid as of 27.11.2020
Term Interest Term2 years Interest1.00% Term3 years Interest1.00% Term4 years Interest1.00% Term5 years Interest1.05% Term6 years Interest1.05% Term7 years Interest1.05% Term8 years Interest1.05% Term9 years Interest1.10% Term10 years Interest0.95% Term11 years Interest1.15% Term12 years Interest1.20% Term13 years Interest1.20% Term14 years Interest1.20% Term15 years Interest1.25%
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.
FeesCHF 250Credit 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 to a fixed-rate mortgage, increases of less than CHF 50,000)CHF 500Premature withdrawal from loan agreement*
Third-party fees (e.g. land register fees or notary costs) will be passed on to the borrower.
In the event of early repayment, the customer or PostFinance shall pay compensation in accordance with the contractual provisions in the credit agreement.