MY HYPOTHECA evaluates and negotiates the best offers for you from over 50 partners. In addition to the most attractive mortgage interest rate, we also pay attention to the most advantageous conditions for you, such as the amortization amount. Our service is rounded off with pension advice.
Unlike a bank, we can offer a wide range of products and know which customer receives the best conditions from which financial institution. We know the different criteria and strengths of the various providers and therefore know exactly who offers the best deal for your individual situation. With MY HYPOTHECA you save on average up to CHF 5,000 a year compared to a direct offer from a bank.
MY HYPOTHECA supports you in the area of pensions and helps you to optimize your tax situation. You can also discuss the following topics with our mortgage advisors:
Direct vs. indirect amortization Withdrawal or pledging of pension fund Withdrawal or pledging of 3A pension Advice on the individual bank and pension products Inheritance and gift issues for financing Your individual risk profile for your financing Sustainability labels and sustainability financing products Tax tips
The following documents are often necessary. The most important is usually the last tax return submitted
Personal documents:
Property documents:
Our initial consultation with comprehensive advice, analysis and strategy development is free of charge and non-binding. We only charge a basic flat rate of CHF 290 once we have received your order to obtain quotations, but this is waived if you conclude a contract with us.
After receiving the required documents, we can submit the first offers within 24 hours. Final negotiated offers between 24 hours and 3 days.
A flat-rate basic fee of CHF 290 is charged for obtaining offers. This is replaced by a fee from the financing bank when the mortgage is taken out.
Yes, our trained and certified pension advisors have a focus on pension optimization in the context of real estate financing.
Yes, we always include the tax aspects in our advice.
On the financing side, our network consists of over 50 partners from the banking, insurance and pension fund sectors.
Yes, we have many years of experience in this area and have excellent contacts with our specialized partners.
In addition to the documents relating to the property itself (sales dossier or extract from the land register and plans), you will need information on your income and assets (tax return, salary statement) and a current debt enforcement extract.
The loan may only be used for the purchase or renovation of a property or for the extension and repayment of an existing mortgage. The loan must be affordable and own funds of at least 20% of the property value must be available.
This depends a little on your personal situation. If you are about to retire or start a family and want planning security, then a fixed-rate mortgage is probably better. However, you are welcome to discuss this with your personal MY HYPOTHECA advisor.
In addition to the lowest interest rate, pay attention to the term and all other general conditions such as the amortization obligation.
With direct amortization, the mortgage amount is reduced step by step. With indirect amortization, you save money with a pillar 3a pension product and benefit from additional tax savings, a return and amortization protection. Your MY HYPOTHECA advisor will be happy to help you with this.
The MY HYPOTHECA team of experts is looking forward to an initial discussion