LIBOR mortgage

Flexible and inexpensive

With the LIBOR mortgage from PostFinance, taking out a fixed-term mortgage is flexible and inexpensive. The interest rate is adjusted every 3 months over the term of 3 years.

LIBOR mortgage: interest rate adjustments every 3 months

  • Term: 3 years; end of the term at the end of each quarter

  • 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
    Interest due dates
    Quarterly (31.03. / 30.06. / 30.09. / 31.12.)
    Payment method
    Payments falling due are debited directly from your private account via Swiss Direct Debit (no inpayment slips are sent)

    Account management

    Account management is free of charge for mortgages.
  • Current interest rate (for new business)

    The LIBOR mortgage interest rate is 1.05%.

    The interest rate is a standard rate for best creditworthiness. Data is given for information purposes only and is non-binding.

    Hypotheken Zinssätze gültig per 21.09.2018

    Current interest rate (for new business)

    The LIBOR mortgage interest rate is 1.05%.

    The interest rate is a standard rate for best creditworthiness. Data is given for information purposes only and is non-binding.

    Term and maximum interest rate

    The interest rate is revised each quarter. It is based on the 3-month LIBOR rate and stays fixed for each quarter. Your advantages: you benefit from falls in interest rates.

    The interest rate can fluctuate, depending on the market situation. This benefit is passed on directly and swiftly in the event of a decline. It is possible to switch to a fixed-rate mortgage at the end of the quarter.

    How a dynamic mortgage works. The interest rate is revised each quarter. It is based on the 3-month Libor rate and stays fixed for each quarter. you benefit from falls in interest rates. A maximum interest rate is set for each three-year loan tranche/series. Moreover, you are protected from rises in interest rates.

    Terms for interest rates

    All interest rates apply to first-class residential real estate and borrowers (best creditworthiness). Individual customer interest rates are fixed 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 rate is revised each quarter. It is based on the 3-month LIBOR rate and stays fixed for each quarter. The advantages for you: you benefit from falls in interest rates.

    The interest rate can fluctuate, depending on the market situation. This benefit is passed on directly and swiftly in the event of a decline.

  • Fees

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

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