You can borrow up to 80% of the purchase price of your new home if it’s a primary residence, or up to 65% if it’s a secondary residence. That means you need to provide a downpayment of at least 20% or 35%, respectively. The money can come from existing cash assets or from your second- or third-pillar funds (these funds cannot be used to finance a secondary residence).

The interest rate agreement is open-ended. At any time, you can switch your variable-rate mortgage loan to a fixed-rate mortgage loan or a Libor-linked mortgage loan.

When you sign your loan contract, you can choose between the direct and indirect repayment methods. Payments are made quarterly.

• Maximum loan amount: 80% of the purchase price
• Minimum downpayment: 20% of the purchase price
• Maximum cost of mortgage and interest payments plus maintenance: 33% of household income
• Minimum loan amount: CHF 100,000
• The interest rate agreement has no fixed end date. 
• Credit Fee Schedule (253.3 kB)