Types of mortgages in Switzerland

Get an overview of the different types of mortgage loans in Switzerland: fixed-rate, SARON-based and variable mortgages, first- and second-rank loans, direct or indirect amortisation, as well as mortgage certificates and construction mortgages, with concrete examples. Compare the advantages and disadvantages of each solution according to your profile, your holding period, your risk tolerance and your wealth objectives, so you can choose a credit structure that is consistent with your personal situation.

Amortissement hypothécaire en Suisse : comment payer moins de mensualités ?

Direct and indirect amortization: what’s the difference?

Which type of amortization should you choose? Learn the difference between direct and indirect amortization with our practical guide.

Bâtiments écologiques : analyse des avantages des prêts hypothécaires

Eco-friendly buildings: mortgage loan for construction

Green buildings in Switzerland: mortgage benefits, reduced energy costs, subsidies, sustainable materials, and improved indoor air quality.

Signature de la cédule hypothécaire pour leur prêt immobilier

What is a mortgage certificate – Definition

Everything you need to know about the mortgage certificate: how it works, who issues it, what its advantages are, and what it means for property owners.

Hypothèque 1er et 2ème rang

First and second-rank mortgage for your home loan

1st and 2nd rank mortgage: differences, banking implications, land registration, repayment, conditions, fixed rate, variable rate, advantages and disadvantages for buying in Switzerland.

Hypothèque Construction : le meilleur moyen d'habiter chez vous rapidement - thumbnail

Construction Mortgage

Finance your real estate project with a construction mortgage. Fund release, consolidation, and interest rates: our experts can advise you!

Hypothèque combinée : qu'est-ce que c'est ?

Combined mortgage: what is it?

Looking to buy a property? Discover the combined rate, fixed rate and and variable rate mortgage (SARON) and all the details of this loan.

Qu'est-ce qu'un prêt hypothécaire SARON ?

SARON Mortgage: One of the 3 mortgages you should know about?

Find out if a SARON mortgage is right for you: pros, cons, and expert tips to optimise your property financing with a variable rate mortgage

Qu'est-ce qu'un prêt hypothécaire à taux fixe en Suisse ?

Fixed rate mortgage

Fixed rate mortgage: security or constraint? We explain the advantages, disadvantages, and strategies to optimize your property financing.

Mortgage simulator

Try our mortgage calculator and find out how much you can afford

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