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FAQs for Switzerland

Buyers’ FAQs for Switzerland

What Types of Mortgages Available in Switzerland

The main types of mortgages in Switzerland are:

  • Fixed-rate mortgages

    This ensures that the interest rate remains the same throughout the duration of the mortgage and you repay a fixed amount every month. This means interest rates changes won’t affect you, which is good news if they rise, although you could miss out if they are lowered.

  • Variable-rate mortgages

    Interest rates continue to adjust with variable -rate mortgages so your payments can rise or fall accordingly.

  • SARON mortgages

    A Swiss Average Rate Overnight (SARON) mortgage is similar to a variable rate mortgage, although the difference is that rather than fluctuating throughout the duration of the mortgage, the interest rates change at the end of agreed rollover terms.

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