Compare mortgage loans in Switzerland
Compare different mortgage models and get an overview of interest rates, terms, equity capital, and financing options.
Mortgage Calculator Switzerland
Calculate your mortgage, equity, monthly costs and indicative affordability.
Your calculation
Indicative affordability
This calculation is for guidance only. The actual loan-to-value, affordability, interest rate and lending decision are determined by the respective mortgage provider.
Compare mortgages for residential property
A mortgage is the most important form of financing when buying residential property in Switzerland. Depending on your personal situation and property, different models come into question, such as a fixed-rate mortgage or a SARON mortgage. On Zagi Group, you can find out about various financing options and compare offers.
- 🏠 Compare fixed-rate and SARON mortgages
- 🏠 Financing for purchase, new construction, or refinancing
- 🏠 Consider equity capital and affordability
- 🏠 Compare interest rates, terms, and conditions
Compare mortgage interest rates and financing
With a mortgage, even small differences in the interest rate can lead to different financing costs over the term. Therefore, it is worth comparing the term, amortization, and other contractual conditions alongside the interest rate.
What financing is possible depends, among other things, on the value of the property, available equity, income, and financial situation. The final review and credit decision are made by the respective mortgage provider.
Inquire mortgageEquity capital and affordability
Minimum requirements for equity capital apply to the financing of owner-occupied residential property. At least 10% of the lending value must come from equity that does not originate from second-pillar occupational pension schemes. Additionally, lenders check the affordability of the financing.
Refinance or renew mortgage
When an existing mortgage expires, follow-up financing can be considered. Compare different models, interest rates, terms, and conditions before concluding a new financing agreement.
Frequently asked questions about mortgages in Switzerland
Terms: Terms from 12 to 120 months. Annual percentage rate (APR) from 3.90% up to a maximum of 9.96%.
Representative calculation example: With a net loan amount of CHF 15'000 with a term of 12 months and an effective annual interest rate of 3.90%, the total interest costs amount to CHF 313.00 (Gross loan amount CHF 15'313.00).
Legal notice: Credit granting is prohibited if it leads to over-indebtedness (Art. 3 UWG).
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Do you have questions about your financing?
Our experts advise you personally and find the right loan model for you.