Fixed-rate mortgageWith 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 15 years
Reference interest rate
- 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
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.)
Payments due are debited directly from your private account by Swiss Direct Debit (no inpayment slips are sent)
Mortgage interest rates valid as of 20.01.2020
Term Interest Term2 years
Term11 years Interest1.15% Term12 years Interest1.20% Term13 years Interest1.20% Term14 years Interest1.30% Term15 years Interest1.30%
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 540 days before payout.
Credit modification charge (+/– prepayment penalty)
Early withdrawal from credit agreement (+/– 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.