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.

Take out a fixed-term mortgage and benefit: 10 years from 0.95%Take out a fixed-term mortgage and benefit: 10 years from 0.95%

Protect yourself and benefit from attractive interest rates. Benefit from low interest rates from 0.95% if you take out a new 10-year fixed-rate mortgage or switch from an existing third-party mortgage to one provided by PostFinance. The interest rate is a standard rate for best creditworthiness. Data is given for information purposes only and is non-binding.

Commendation for PostFinance mortgages

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

Logo comparis.ch mortgages good 5.3 customer satisfaction 06/2020

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

  • Direct or indirect amortization through your retirement savings account 3a, retirement funds, PostFinance Pension 25, PostFinance Pension 45 and PostFinance Pension 75 or life insurance   

     
  • 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)

    Account management

    Account management is free of charge for mortgages.
  • Current interest rates

    Mortgage interest rates valid as of 07.05.2021

    TermInterest
    Term
    2 years
    Interest
    1.00%
    Term
    3 years
    Interest
    1.00%
    Term
    4 years
    Interest
    1.00%
    Term
    5 years
    Interest
    0.95%
    Term
    6 years
    Interest
    1.05%
    Term
    7 years
    Interest
    1.05%
    Term
    8 years
    Interest
    1.05%
    Term
    9 years
    Interest
    1.10%
    Term
    10 years
    Interest
    0.95%
    Term
    11 years
    Interest
    1.20%
    Term
    12 years
    Interest
    1.35%
    Term
    13 years
    Interest
    1.35%
    Term
    14 years
    Interest
    1.50%
    Term
    15 years
    Interest
    1.50%

    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 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.

This might interest you too