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Mortgages

Which mortgage and which financial institution suits your situation and what should you look out for when making your choice? We help you to form your own, independent opinion.

Knowledge articles on the topic of “Mortgages”

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Affordability and lending

Affordability and lending are the two most important indicators for granting a mortgage. We explain their significance and how they are calculated. their own home.…

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Interest rate development

Current mortgage interest rates In June 2024, the Swiss National Bank (SNB) decided at its monetary policy assessment to lower the key interest rate by…

Hypotheken - Zinsentwicklung und Zinsprognose
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Saron or fixed-rate mortgage

Buying a property is one of the biggest investments most people make in their lives. When deciding which type of mortgage to choose, there are…

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We create transparency in the financial institutions’ jungle of criteria

There is no one mortgage that is equally suitable for all property buyers.
In addition to personal requirements and circumstances, the strategy of the financial institution is also very important. What exactly should you consider when choosing a mortgage and why? We’re here to give you all the information you need to make an informed decision

In addition to our helpful 1×1 of home financing, we place a series of knowledge articles here that will enable you to educate yourself further. You can supplement this content with a non-binding discussion with the mortgage advisors at MY HYPOTHECA.

Our free guide
«1×1 of home financing»

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MY HYPOTHECA impressed us with their expertise and commitment. They were always available and answered all our questions. Thanks to their help, we found the perfect mortgage offer that was tailored precisely to our needs.

Giovanna Macchia & Bruno Reis, Sempach, LU

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At MY HYPOTHECA, I particularly appreciate the independent advice, fast service and clear customer focus.
These qualities are crucial in finding the best possible financing for my real estate buyers.

Roger Möschler, Owner, RE/MAX Real Estate on Lake Zurich

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An interplay of many factors

The optimal mortgage offer results from a variety of important factors. This is why a careful analysis of your financial situation is so important, allowing you to ideally choose essential aspects such as interest rates, term, and repayment options, and thereby find the best financing solution for your dream property. The independence of mortgage advisors is a major advantage in this process!

Mortgage in Switzerland

Unlike abroad, mortgages in Switzerland tend to be repaid in full in exceptional cases. It is therefore not unusual for a property to be encumbered with a substantial mortgage for many decades, but rather the rule. The very fact that property prices are very high in this country makes it impossible for most homeowners to pay off their mortgage in full.

Tax aspects

Tax aspects also mean that a mortgage usually remains on the property. On the one hand, a homeowner must pay tax on the imputed rental value as income and, on the other hand, she can deduct the mortgage interest from her taxable income.

Why do I need a mortgage?

For most people, it is not possible to purchase a property in Switzerland entirely with their own funds. Therefore, a mortgage is used to finance part of the purchase price.

Frequently asked questions

A mortgage is a loan on a property. A bank grants a mortgage and receives a mortgage interest rate in return.

Mortgage interest rates also vary depending on the term. Depending on your assessment of future interest rate trends, it may make sense to choose a long mortgage term. However, your personal situation should also be taken into account. Are you about to start a family and want planning security or are you about to retire? Then fixed-rate mortgages are suitable. If, on the other hand, you are planning to sell your property in the near future, we recommend a short-term fixed-rate mortgage (available from 2 years) or a Saron mortgage.

On the one hand,sustainability must be guaranteed, on the other hand, equity capital of around 20% of the purchase price is required.

A mortgage has an individual term and is simply extended at the end of the term. At the time of retirement, the mortgage must be reduced to around ⅔ of the property value. This is done with amortisations, i.e. partial repayments, during the years of employment. In Switzerland, a mortgage is usually only paid off in full when the property is sold.

Are you looking for the best conditions for your mortgage interest?

The MY HYPOTHECA team of experts is looking forward to an initial discussion

Free counselling
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