Whether you are buying a house or a flat, your main home or a holiday home, with a carefully considered financing model you will be able to enjoy the comfort of your own four walls all the more.
bank zweiplus offers three principal options for financing self owner-occupied property purchases in Switzerland:
Variable-rate mortgage
With a variable-rate mortgage you can make repayments at any time. In addition you can benefit from lower interest costs when market interest rates fall.
Fixed-rate mortgage
With a fixed-rate mortgage you can protect yourself against rising interest rates, because the interest rate you pay remains the same over the entire term. You can therefore budget precisely in advance.
LIBOR mortgage
With a LIBOR mortgage, you can swiftly profit from an interest rate cut since refinancing is carried out based on money market rates (LIBOR = London Interbank Offered Rate).
This financing model therefore enables you to react quickly to changes on the market
Generally, owner-occupied residential property can be mortgaged up to a maximum loan-to-value ratio of 80% of market value, whereby subdivision into a first mortgage (loan up to 70%) and a second mortgage (loan up to 70% to 80%) is possible.
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Only available to customers domiciled in Switzerland.
