Financing
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Forward fixed-rate mortgage – fixed interest rate with perspective
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.
Your advantages
- Costs remain the same even if interest rates rise
- Opportunity to benefit in advance from lower interest rates over the long term
- Charges that can be clearly planned
- Can be combined with other products
Characteristics of a forward fixed-rate mortgage
| Minimum amount | CHF 100,000, only possible as a first mortgage |
| Interest rate | Fixed for the agreed term |
| Interest date | Semi-annually |
| Amortisation | Individual, depending on contractual agreement |
| Cancellation | Not possible during term |
Restrictions
- No opportunity to benefit from a reduction in the interest rate level
- No cancellation or partial repayment possible during the term
Arrange an appointment now
Silvan Stettler
Head of Client Advisory Corporate Clients & Loans
Arrange an appointment now
Silvan Stettler
Head of Client Advisory Corporate Clients & Loans