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.

Our low fixed-rate mortgages are something to shout about

Benefit from particularly low interest rates on our fixed-rate mortgages for a short time. Arrange a consultation now.

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   

  • Preconditions

    • Natural persons with a permanent domicile in Switzerland
    • Swiss citizens or foreigners with either a B or C residence permit 


    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)

    Account management

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

    Mortgage interest rates valid as of 18.08.2017

    Term Interest
    Term2 years
    Term3 years
    Term4 years
    Term5 years
    Term6 years
    Term7 years
    Term8 years
    Term9 years
    Term10 years

    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.

  • 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


    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.

    Reminder/third-party fees

    • Reminder fees of CHF 20 will be charged for interest and amortization in arrears, indirect amortization, insurance premiums for pledged policies (first demand is free of charge, +/- prepayment penalty)
    • Third-party fees (e.g. land register fees) will be passed on to the customer

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