Mortgage and reference interest rates

Mortgage interest rates valid as of 14.12.2018

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
    1.05%
    Term
    3 years
    Fixed mortgage
    1.10%
    Term
    4 years
    Fixed mortgage
    1.10%
    Term
    5 years
    Fixed mortgage
    1.15%
    Term
    6 years
    Fixed mortgage
    1.15%
    Term
    7 years
    Fixed mortgage
    1.20%
    Term
    8 years
    Fixed mortgage
    1.30%
    Term
    9 years
    Fixed mortgage
    1.40%
    Term
    10 years
    Fixed mortgage
    1.45%

    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.

    Following a slight increase in 2008, mortgage interest rates began to fall to historically low rates of below 3.0% at the start of 2009 as a result of the market environment. From mid-2008 to the end of 2014, interest rates were subject to significant fluctuations, falling sharply over the long term. At the start of 2015, they bottomed out, and have remained at a low level ever since.

    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.