Mortgage interest rates

A practical and compact overview of PostFinance’s attractive interest rates: find the right mortgage for your property.

Mortgage interest rates valid as of 04.12.2020

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

  • Fixed mortgage

    We will be pleased to advise you in our branches – or you can enter the mortgage directly and benefit from lower interest rates.

    Term
    		Fixed mortgage
    Term
    2 years
    		 Fixed mortgage
    1.00%
    Term
    3 years
    		 Fixed mortgage
    1.00%
    Term
    4 years
    		 Fixed mortgage
    1.00%
    Term
    5 years
    		 Fixed mortgage
    1.05%
    Term
    6 years
    		 Fixed mortgage
    1.05%
    Term
    7 years
    		 Fixed mortgage
    1.05%
    Term
    8 years
    		 Fixed mortgage
    1.05%
    Term
    9 years
    		 Fixed mortgage
    1.10%
    Term
    10 years
    		 Fixed mortgage
    0.95%
    Term
    11 years
    		 Fixed mortgage
    1.15%
    Term
    12 years
    		 Fixed mortgage
    1.20%
    Term
    13 years
    		 Fixed mortgage
    1.20%
    Term
    14 years
    		 Fixed mortgage
    1.20%
    Term
    15 years
    		 Fixed mortgage
    1.25%

    LIBOR mortgage

    The interest rate is based on the 3-month LIBOR rate at the start of the current quarter. The next update will take place at the end of the current quarter.

    Interest rate: 1.05%

    Construction loan (for new business)

    The construction loan interest rate is 2.25 percent.

  • SWAP and LIBOR

    To calculate current interest rates, PostFinance uses the LIBOR and swap rates. The 3-month LIBOR and 3, 5 and 8-year swap rates are shown as reference interest rates.

    Mortgage interest rates have bottomed out since the beginning of 2015, lying below 0% in the negative interest rate range since then.

    SWAP: An interest rate swap entails the Exchange of a fixed-interest rate and a varibale-interest rate between two parties. A financial institution often acts as an intermediary between the two parties.

    LIBOR: The London Interbank Offered Rate is the money market rate at which a bank lends money to another first-class bank for up to one year.