Mortgage in Fribourg: finance your real estate project!
Are you considering buying a house or apartment in the canton of Fribourg? A mortgage is an essential step in becoming a homeowner in Switzerland. Find out how to finance your property purchase in this dynamic and attractive region.
Fribourg: a canton between tradition and modernity
Are you attracted by the environment, the cultural richness, and the historical heritage of Fribourg? At the crossroads of French-speaking and German-speaking cultures, this canton offers an appreciated quality of life, property prices that are often more affordable than in Geneva or Zurich, and an excellent transport network. Investing in Fribourg means making a safe choice in a rapidly growing demographic and economic region.
Among the most popular locations and neighborhoods are:
- Fribourg-Ville: administrative and university center of the canton, it combines dynamism, heritage and proximity to all amenities
- Villars-sur-Glâne: residential town with many schools, ideal for families
- Marly: in full expansion, it attracts more and more young owners
- Bulle: in the heart of Gruyère, it combines a small-town atmosphere and economic activities
- Murten: charming lakeside town, perfect for those seeking peace and quiet and quality of life
Each area has its advantages depending on your lifestyle or your investment strategy. Take the time to explore the surrounding area to refine your project.
Types of mortgages available in Fribourg
As in all of Switzerland, several options are available to you to finance your property purchase in Fribourg:
- Fixed-rate mortgage: This offers constant monthly payments over the entire term of the contract, generally 5, 10, or 15 years. This type of loan is recommended if you want to avoid budgetary surprises, especially in an uncertain economic climate.
- Variable-rate mortgage (SARON): This loan follows the SARON (Swiss Average Rate Overnight) rate, which is updated regularly, often every 3 or 6 months. This can result in lower monthly payments if rates are low, but also carries a risk if rates rise.
- Mixed mortgage: This solution combines the two previous ones. One part of the loan is at a fixed rate to secure a portion of your financing, while the other is at a SARON rate to take advantage of potential savings. This is a good compromise if you are looking for both stability and flexibility.
- Construction mortgage: Designed for new real estate projects, this mortgage releases funds in stages according to the progress of the work. It allows you to pay interest only on the amounts actually used. Some financial institutions also encourage sustainable construction, with advantageous conditions for high-energy-performance buildings.
Our advisors can help you choose the solution best suited to your needs.
Conditions for obtaining a mortgage in Fribourg
For your application to be accepted by a bank or credit institution, you must meet several criteria:
- A personal contribution of at least 20% of the property price, including a portion in liquid funds. A debt ratio that does not exceed 33% of your gross income
- Regular and stable income: permanent contracts or self-employed people with a profitable business are favored
- A valuable property: its condition, location and potential influence the bank’s decision
Thanks to our network of mortgage brokers, you can be sure of building a solid file and increasing your chances of obtaining financing under the best conditions.
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Our advice for becoming a homeowner in Fribourg
Making your real estate project a success requires discipline and preparation. Here are the key steps to follow to become a homeowner in the canton of Fribourg:
- Analyze your finances: monthly net income, fixed expenses, available savings, 2nd and 3rd pillars. A clear vision of your financial capacity will allow you to determine a realistic purchasing budget and anticipate sustainable monthly payments.
- Define your priorities and search criteria: number of rooms, proximity to schools, transport or workplace, preference for new or old.
- Compare financing offers: interest rates, amortization period, early repayment terms, each bank offers its own conditions: It is therefore important to play the competition and compare rates. A difference of 0.1% on the rate can represent several thousand francs over the total duration of the loan.
- Use a mortgage broker: a broker can save you valuable time, negotiate better terms, and help you build an attractive application. They understand the specifics of the Fribourg market and the requirements of different lending institutions.
- Anticipate additional costs: in addition to the purchase price, take into account notary fees (around 3 to 5% of the property price), transfer taxes, any renovation work, and co-ownership charges if you are buying an apartment.
We support you throughout your journey, from the first estimate through signing at the notary’s office to your move-in.
Start your real estate project in Fribourg!
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