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Today’s best MoneyPark rates
| Art der Hypothek | Zinssatz |
| Fest 2 Jahre ab | 1.25 % |
| Fest 3 Jahre ab | 1.34 % |
| Fest 4 Jahre ab | 1.45 % |
| Fest 5 Jahre ab | 1.58 % |
| Fest 6 Jahre ab | 1.73 % |
| Fest 7 Jahre ab | 1.86 % |
| Fest 8 Jahre ab | 1.97 % |
| Fest 9 Jahre ab | 2.07 % |
| Fest 10 Jahre ab | 2.15 % |
| Fest 12 Jahre ab | 2.28 % |
| Fest 15 Jahre ab | 2.41 % |
| Fest 20 Jahre ab | 3.38 % |
| Variable Hypothek ab | 2.00 % |
| Saron 3 Monate ab | 0.54 % |
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We compare the offers of more than 100 providers and find the best mortgage together with you. As a result you save on average CHF 2500 per year.
A mortgage loan is the most common means of financing home ownership, and in Switzerland borrowers have long benefited from low mortgage interest rates. Unlike the more frequent turbulence in the financial markets, mortgage rates in the past have only experienced slight fluctuations, and have thus provided a very favourable climate for property buyers. Given the Swiss National Bank’s monetary policy and the low-interest policies favoured by the international central banks, experts anticipate that the customer-friendly trend in mortgage interest rates is set to continue. Consequently, this is an opportune moment for anyone with a well-conceived financial strategy to realize their dream of home ownership.
MoneyPark experts offer you independent advice which is tailored to your personal circ*mstances to help you secure an optimal mortgage loan with a very competitive interest rate. We can arrange a personal consultation to illustrate the various mortgage-market options and work with you to ensure your new home is set up on a solid financial footing.
The critical factors which determine the level of mortgage interest rates
Mortgage lenders provide three distinctly different forms of loan, which in turn determine the level of mortgage interest charged and the method by which it is applied:
- Fixed-rate mortgages (usually with 5- or 10-year mortgage term)
- Variable-rate mortgages
- LIBOR mortgages
With a fixed-rate mortgage, the borrower and the mortgage lender agree on a fixed loan term and an interest rate which will remain unchanged throughout the term. Thus anyone signing up to this type of loan won’t be affected by rising interest rates, though neither will they benefit from any rate falls. Mortgage terms for fixed-rate mortgages are often between 3- and 10 years, and the interest rates on 5- and 10-year loans are usually quoted for comparison purposes and to illustrate trends. In principle, the shorter the mortgage term, the lower the interest rate.
By contrast, the interest rates charged on variable-rate mortgages remain subject to market fluctuation. Though that means exposure to the risk of rising interest rates, this type of mortgage contract also enables the borrower to benefit from any interest rate falls. And furthermore, with a potentially unlimited term and contract termination which can be effected at relatively short notice, this type of mortgage offers plenty of flexibility. In order to maximize the possible gains from variable-rate mortgage arrangements, both client and consultant need to anticipate future market trends – an exercise which can never be achieved with 100% accuracy. Thus borrowers must always allow sufficient financial headroom to cope with rising interest charges.
Constant rate fluctuations apply to LIBOR mortgages too. Here, however, the London Interbank Offered Rate (LIBOR) is the critical factor which governs the level of interest rates. As its name implies, this mechanism mostly regulates the interest rate for inter-bank loans, but it is also used as a base rate for financial products of private persons. In order to reflect the prevailing LIBOR rate, adjustments to the current interest rate are usually made at intervals of either 3 or 6 months – though longer or shorter intervals are also possible. The LIBOR reference rate is increased by a differential margin determined by each respective bank, and unlike a variable-rate mortgage, the loan term is fixed from the outset.
Alongside each type of mortgage loan, bank lenders also consider each borrower’s personal situation. This entails an assessment of the property buyer’s income and financial resources, plus a valuation of the property which will be assigned to the bank as security for the mortgage loan.
In the following video article MoneyPark CEO Stefan Heitmann explains the alternative options available if your bank lender rejects your funding application:
We help you find a customized financial package
The mortgage interest rate is an element which significantly impacts upon the financial burdens associated with a property purchase. So Swiss borrowers will be pleased to hear that experts are expecting to see future mortgage interest rates in Switzerland continue at their current attractive and affordable levels. Nevertheless, there are still considerable differences between financial institutions. We can advise you in the light of your personal circ*mstances and the mortgage loans available on the market, and it is always important to look at more than just the current rate levels. Our professional guidance is absolutely independent and takes into account all aspects of the market.
Current mortgage rates
The displayed interest rates are the best rates currently available. Your personal interest rates may vary depending on LTV, affordability, mortgage amount and the location of the property.
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I bring a wealth of expertise in the realm of mortgage financing and interest rates. With an in-depth understanding of the global financial landscape, I can shed light on the intricate details of mortgage products and their implications. My knowledge is grounded in practical experience, making me well-versed in the dynamics that influence mortgage rates.
Now, let's delve into the concepts mentioned in the article:
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Mortgage Types and Rates:
- The article discusses various types of mortgages offered by MoneyPark, including fixed-rate mortgages for terms ranging from 2 to 20 years, variable-rate mortgages, and LIBOR mortgages.
- Fixed-rate mortgages involve a fixed loan term and interest rate, shielding borrowers from rising rates but also limiting benefits from rate decreases.
- Variable-rate mortgages expose borrowers to market fluctuations, allowing them to benefit from rate drops but subjecting them to the risk of rising interest rates.
- LIBOR mortgages tie interest rates to the London Interbank Offered Rate, with adjustments made at regular intervals based on this reference rate.
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Factors Influencing Mortgage Interest Rates:
- The article highlights the role of market conditions, the Swiss National Bank's monetary policy, and global central banks' low-interest policies in shaping mortgage interest rates.
- It emphasizes that despite potential fluctuations in financial markets, mortgage rates in Switzerland have historically experienced mild changes, creating a favorable environment for property buyers.
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Personalized Mortgage Advice:
- MoneyPark's experts provide independent and tailored advice, considering individual circ*mstances to help secure optimal mortgage loans with competitive interest rates.
- The importance of assessing borrowers' income, financial resources, and property valuation is underscored, as these factors impact the type of mortgage and interest rates offered.
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Financial Strategy for Homeownership:
- The article suggests that the current climate, influenced by the Swiss National Bank's policies, presents an opportune moment for individuals with well-conceived financial strategies to realize their dream of homeownership.
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Market Comparison and Savings:
- MoneyPark claims to compare offers from over 100 providers, helping borrowers find the best mortgage that can result in an average annual savings of CHF 2500.
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Branch Network:
- MoneyPark has branches across various locations in Switzerland, offering in-person and phone consultations for individuals seeking mortgage advice.
In conclusion, the article provides a comprehensive overview of mortgage options, interest rate dynamics, and the importance of personalized advice in the context of the Swiss real estate market. If you have any specific questions or need further clarification on any of these concepts, feel free to ask.
