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Mortgages: Compare Offers and Apply for Your Loan!

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With KreditSOS, you can compare various proposals to finance your home purchase. Use our comparison tool to find the best offer:

First Home Mortgage

Apply for a Mortgage Online

Applying for a mortgage is simpler than ever today. Thanks to online platforms, you can quickly compare different offers, get pre-approved in a few clicks, and finalize your application without having to physically visit a bank. By filling out a short form with your personal and financial details, you'll receive tailored proposals with transparent conditions and fast response times..

Compare Home Mortgages

When comparing home mortgages, it's important to consider several key factors:

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  • Interest Rate: Fixed or variable, this directly affects your monthly payment amount.

  • Loan Term: A longer term means lower monthly payments but a higher total cost.

  • Maximum Loan Amount: In Switzerland, this usually covers up to 80% of the property's value.

  • Additional Costs: Such as opening fees, notary fees, and insurance costs.

  • Flexibility: The possibility of early repayment or renegotiation of the mortgage.

 

Using a comparison tool allows you to clearly view these features and choose the most advantageous offer.

Types of Mortgages Available in Switzerland

In Switzerland, there are several types of mortgages, each suited to different needs:

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  • Fixed-Rate Mortgage: The interest rate remains unchanged throughout the contract term, offering security and stability.

  • Variable-Rate Mortgage (SARON): The interest rate adjusts periodically to market trends, allowing you to benefit from potential rate drops.

  • Mixed-Rate Mortgage: Combines fixed and variable rates, spreading the risk across multiple financial instruments.

  • Construction Mortgage: Specifically for financing construction projects, with progressive fund disbursement.

How Our Mortgage Comparison Works and Its Benefits

The KreditSOS comparison tool allows you to compare the best mortgage offers available in Switzerland in just a few clicks. The system will show you a detailed list with the characteristics of each available mortgage, including their rates, maximum loan amounts, and terms. This enables you to choose the solution that best fits your needs. The main advantages of our comparison tool include:

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  • Full Transparency: All information is clear and up-to-date.

  • Save Time and Money: Avoid lengthy and complex searches.

  • Custom Filters: Select the parameters most important to you.

The Best Mortgage Offers

On our comparison tool, you'll easily find all mortgage features and can proceed online to apply for financing for your new home without having to visit a bank. When evaluating a mortgage, don't just look at the interest rate; consider all aspects, including less tangible ones (like early exit conditions).

Fixed-Rate Mortgage Offers in Switzerland

Here are the three fixed-rate mortgages with the lowest interest rates available on the market:

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  • Migros Bank: Rates from 0.91%, minimum amount 100,000 CHF, term between 2 and 10 years.

  • UBS Key4 Mortgages: Fixed rate from 1.05%, minimum amount 100,000 CHF, term between 1 and 15 years.

  • Swissquote: Fixed rate from 1.17%, no minimum amount, term between 2 and 10 years.

 

Please note: Always check the specific conditions and all constraints and access requirements for the offer in the pre-contractual documents.

SARON Mortgage Offers in Switzerland

Here are the three SARON mortgages with the lowest rates:

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  • Swissquote SARON: Rate from 0.75%, term 2 years.

  • Postfinance SARON: Rate from 0.79%, term 3 years.

  • UBS Key4 Mortgages: Rate from 0.94%, minimum amount 100,000 CHF.

 

Please note: Always check the specific conditions and all constraints and access requirements for the offer in the pre-contractual documents.

Find the online mortgage offers that best suit your needs now and start planning your new home.

Main Banks Compared

KreditSOS compares offers from several Swiss banks and major online banks:

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Frequently Asked Questions About Mortgages in Switzerland

Who can apply for a mortgage in Switzerland?

Residents with stable income, valid residence permits (e.g., B or C permits), and sufficient self-financing capacity can apply for a mortgage in Switzerland.

 

What documents do I need to apply for an online mortgage?

Generally, you'll need: an identity document, residence permit, recent pay slips, a recent tax declaration, bank statements, and property documentation.

 

Can I repay a mortgage early?

Yes, it's possible to repay a mortgage early, but penalties or additional costs may apply, especially for fixed-rate mortgages.

 

How much can I borrow with a mortgage?

Typically, you can finance up to 80% of the property's value. The remaining 20% must be covered by your own funds.

 

What costs do I face when taking out a mortgage?

In addition to interest, you'll need to consider notary fees, registration taxes, property appraisal costs, and any bank commissions.

Mortgage Guides

  • Best Fixed-Rate Mortgages Switzerland

  • SARON Mortgages: What They Are and When They're Convenient

  • Current Mortgage Rates in Switzerland

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