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

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.–

Flexible interest rate Saron mortgage

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.–