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 and PostFinance Pension 45 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 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 Debit Direct (no inpayment slips are sent)

    Account management

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

    Mortgage interest rates valid as of 23.06.2017

    Term Interest
    Term2 years
    Interest1.05%
    Term3 years
    Interest1.05%
    Term4 years
    Interest1.10%
    Term5 years
    Interest1.10%
    Term6 years
    Interest1.10%
    Term7 years
    Interest1.10%
    Term8 years
    Interest1.15%
    Term9 years
    Interest1.15%
    Term10 years
    Interest1.20%

    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

    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 shall pay compensation to PostFinance 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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