Financing

Mortgage loans & real estate financing

 
Build on a solid foundation, not only when it comes to your own four walls but also in regard to your real estate financing.

With our comprehensive range of real estate financing products, you can easily make your dream of owning your own home come true. We are one of the leading lenders in Liechtenstein and the region of Eastern Switzerland, and our experienced specialists will actively support you in determining the best financing option for your new construction, alteration of a property or real estate acquisition. Our assistance also includes optimally matching the terms and interest charges to your asset situation.

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Mortgage calculator

Mortgage calculator

Do you dream of owning your own home, and would like to know whether your financial means are sufficient? With our mortgage calculator, you can determine the affordability of your future real estate and the monthly charges in just a few steps. It’s quick, easy and uncomplicated.

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Our real estate financing offers at a glance

Fixed-rate mortgage

A fixed-rate mortgage is suitable for you if you want to plan your interest costs for real estate financing over the long term and expect interest rates to rise.

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Forward fixed-rate mortgage

A forward fixed-rate mortgage is suitable if you want to lock in your interest costs in advance.

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Money market mortgage

A money market mortgage is a form of medium- to long-term real estate financing that is based on short-term interest rates.

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Construction loan

A construction loan is suitable for financing new construction as well as alteration or comprehensively renovating an existing property.

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Fixed-rate mortgage

A fixed-rate mortgage is suitable for you if you want to plan your interest costs for real estate financing over the long term and expect interest rates to rise.

This is because the interest rate remains unchanged throughout the entire term with a fixed-rate mortgage. It is based on the market conditions at the time the mortgage is concluded. For you, the fixed interest rate means expenses that are easier to budget for, because your charge always remains the same.

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Forward fixed-rate mortgage

A forward fixed-rate mortgage is suitable if you want to hedge against rising interest rates at an early stage and lock in your interest costs in advance.

With a forward fixed-rate mortgage, the interest rate can be fixed up to three years in advance. This is subject to a surcharge that depends on the lead time and the term of the mortgage. The most profitable arrangement is to close at a low interest rate level when rising interest rates are expected. Since the interest rate remains constant over the entire term, you can precisely plan your budget.

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Money market mortgage

A money market mortgage is a form of medium- to long-term real estate financing that is based on short-term interest rates.

With a money market mortgage, you can benefit from low or falling money market interest rates. However, such a mortgage requires a corresponding risk tolerance and risk capability. Within the framework of the twelve-month term, the interest rate can be redefined in fixed periods (one- or three-month interval). At the end of such a period, you can also make a one-time switch to a fixed-rate mortgage.

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Construction loan

A construction loan is suitable for financing new construction as well as alteration or comprehensively renovating an existing property.

With a construction loan, you finance new construction as well as alteration or renovation. A separate construction account on a current account basis allows you to pay the invoices of the companies and tradespersons you commission from a single key account. After completion of the construction phase or at previously defined times, you have the option of converting the construction loan into one of our mortgages. The interest rate of the construction loan is variable and based on trends in the money and capital markets. Interest on debt and credit commissions are settled at the end of each quarter and debited directly from your construction account.

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VP Bank – your reliable financing partner in Liechtenstein

  • Personalised support: Our mortgage specialists in Liechtenstein provide you with personalised support and develop a financing solution that is tailored precisely to your needs.
  • EEA access: Thanks to our site in Liechtenstein and our international network, we can implement structured financing solutions for clients with cross-border assets.
  • Stability and independence since 1956: As an independent bank headquartered in Liechtenstein with a strong capital base, VP Bank offers legal certainty and reliable long-term terms and conditions.
  • Support right up to the handover of keys: Dedicated contact persons coordinate all stages of the financing process – from the initial consultation to the disbursement of the mortgage loan – so that you can concentrate on your new home.

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Silvan Stettler

Silvan Stettler

Head of Client Advisory Corporate Clients & Loans

Open contact form silvan.stettler@vpbank.com +423 235 72 42

Frequently asked questions

How much equity do I need to contribute to a mortgage in Lechtenstein?

At least 20% of the mortgage lending value must come from your own funds, of which at least 10% must not consist of pension funds.

What does affordability mean and how does VP Bank calculate it?

Your annual housing costs, imputed interest (4.5%), amortisation and ancillary costs may not exceed one third of your gross income. Only if this limit is adhered to is the financing considered affordable.

What is the difference between a fixed-rate mortgage and a SARON mortgage?

With a fixed-rate mortgage, the interest rate remains unchanged for the selected term (e.g. 5 or 10 years), which offers complete planning security. The SARON mortgage follows the daily fluctuating SARON reference interest rate plus our margin. This allows you to benefit from lower interest rates, but also carries the risk of rising rates.

When is a SARON mortgage worthwhile?

A SARON mortgage (money market mortgage) is attractive if you expect interest rates to remain stable or fall, can cope financially with short-term interest rate fluctuations and would like to switch to a fixed-rate mortgage if necessary.

Can I terminate a fixed-rate mortgage early?

Early termination in the form of cancellation or partial repayment is not possible.