Mortgages at a glance

Whether it’s with a fixed interest rate or flexible interest rates with fixed protection: get an overview of the range of mortgages on offer from PostFinance.

Fixed interest rate Fixed-rate mortgage

Ideal interest rate situation A stable or rising interest rate level, as the fixed-rate mortgage offers a fixed interest rate over the selected term.
Advantages Secure planning thanks to calculable costs Security against rising interest rates Can be combined with the Saron mortgage Interest rate fixed up to 18 months in advance
Term Two to 15 years
Interest rate adjustment Fixed interest rate for the whole term
Amortization Direct amortization through repayment of regular contributions or indirect amortization through life insurance policies, the PostFinance Pension Funds or the PostFinance retirement savings account 3a.
Minimum amount CHF 100’000.–
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Flexible interest rate Saron mortgage

Ideal interest rate situation Middling or high interest rate levels or an expected reduction in interest rates, as the interest rate for the Saron mortgage is constantly adapted based on the market.
Advantages Benefit from falls in interest rates Flexibility Can be switched or combined with the fixed-rate mortgage
Term Three years; option to switch to a fixed-rate mortgage at the end of each quarter
Interest rate adjustment Every three months
Amortization Direct amortization through repayment of regular contributions or indirect amortization through life insurance policies, the PostFinance Pension Funds or the PostFinance retirement savings account 3a.
Minimum amount CHF 100’000.–
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