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Switzerland

Cantonal registries record ownership and buyers typically finance with two-tranche structures combining amortizing and non-amortizing portions. Affordability tests use imputed interest and maintenance costs. Foreign buyers face restrictions in some cantons on holiday homes.

Currency: CHF · Last reviewed: 2026-10-29

Common loan types

  • Fixed-rate mortgage
  • SARON-linked mortgage
  • Libor-linked mortgage (legacy contracts)
  • Pillar 3a pledged loan

Rates in Switzerland

Published national averages change often. Use our calculators with a rate you enter from your lender or central bank source. LoanReady does not publish live lender rate tables for Switzerland.

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Example formatting: CHF 350'000 illustrative loan amount.

Borrowing powerRepaymentsRefinance savings
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