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.

Fixed-rate mortgage: costs can be calculated precisely

  • Mortgage with a fixed interest rate throughout the selected term

  • Term to maturity of 2 to 10 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   

     
  • 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 and LIBOR 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

    Mortgage interest rates valid as of 18.10.2017

    Term Interest
    Term2 years
    Interest1.05%
    Term3 years
    Interest1.05%
    Term4 years
    Interest1.10%
    Term5 years
    Interest1.10%
    Term6 years
    Interest1.15%
    Term7 years
    Interest1.25%
    Term8 years
    Interest1.35%
    Term9 years
    Interest1.40%
    Term10 years
    Interest1.45%

    The interest rates are guide rates for customers with the best creditworthiness. 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 360 days before payout.

  • Fees

    CHF 250
    Credit modification charge (+/– prepayment penalty)
    CHF 500
    Early withdrawal from credit agreement (+/– prepayment penalty)

    Prepayment penalty

    In the event of early repayment, the customer or PostFinance shall pay compensation in accordance with the contractual provisions in the credit agreement.

This might interest you too