Fixed-rate mortgage
Fixed interest rates and maximum planning security
The is the most popular in Switzerland. The reason is simple: it offers clear, predictable costs over the entire
But when is a fixed-rate mortgage worth it—and what should you look out for?
A fixed-rate mortgage is a mortgage with a fixed interest rate over an agreed term. This means that mortgage interest rates remain unchanged throughout the entire term, providing planning security with regard to financing costs. Fixed-rate mortgages are among the most popular types of mortgages in Switzerland. Learn more here: Fixed-rate mortgages in Switzerland
Ein Hypothekarmodell beschreibt die Art der Zinsgestaltung und Laufzeit einer Hypothek, etwa Festhypothek,SARON-Hypothek oder variable Hypothek. Transparente Modelle erleichtern den Vergleich und helfen, Zinsrisiko und Planungssicherheit bewusst zu steuern. Hier gibt's mehr Informationen zu Hypotheken mit langen Laufzeiten: Festhypothek mit 10 Jahren Laufzeiten
The term of the mortgage refers to the period for which a mortgage is taken out under the agreed terms. Depending on the type of mortgage, the term can range from a few months to many years. The choice of term affects, among other things, the interest rate, planning security, and the flexibility of the financing.
Definition
Fixed-rate mortgage
With a fixed-rate mortgage, the is fixed for a predefined term. This means: The interest rate remains unchanged for the entire term. You are protected against rising interest rates, and your costs are predictable.
Typical terms range from 2 to 10 years, although longer terms are sometimes possible.
Zinssatz einer Hypothek
Der Hypotheken-Zinssatz bestimmt, wie hoch Ihre laufenden Zinskosten für die Hypothek sind. Für den besten Hypotheken-Vergleich sollten effektive Zinssätze, Gebühren, Laufzeiten, Zinsusanz und individuelle Finanzierungssituation gemeinsam beurteilt werden.
Target audience
Who is a Fixed-rate mortgage suitable for?
A fixed-rate mortgage is particularly suitable for:
- Security-conscious homeowners
- People with a clearly defined budget
- Borrowers who expect interest rates to rise
- Buyers who prioritize stability over flexibility
- Homeowners who don’t want to “constantly” worry about their Mortgage
In short: If you value planning security over maximum flexibility, a fixed-rate mortgage is the right choice.
Pros and Cons
What You Need to Know
Advantages of a fixed-rate mortgage
Disadvantages of a fixed-rate mortgage
Frequently Asked Questions
Answers about fixed-rate mortgages
The term of a fixed-rate mortgage is typically between 2 and 10 years. Depending on the provider, longer terms are also possible. There are very few providers that offer terms longer than twenty years. Truly long-term mortgages are primarily available from insurance companies.
Mehr zu verschiedenen Hypotheken-Laufzeiten hier
Festhypothek 10 Jahre | Festhypothek 5 Jahre | Saron-Hypothek
A fixed-rate mortgage is particularly worthwhile if:
- interest rates are expected to rise
- a stable budget is important
- you don’t want to take on interest rate risk
- you’re looking for security and “peace of mind”
Yes, but usually only in exchange for a so-called Repayment penalty. Depending on the remaining term and interest rate trends, this can amount to several thousand to tens of thousands of francs.
Tip
On HYPOTHEKE.ch, there are providers that allow you to cancel a fixed-rate mortgage free of charge during the term if you sell the property. You can see the cancellation option directly in the comparison when you enter your details at.
You can find the best fixed-rate mortgage by using a Mortgage platforms allow you to transparently compare interest rates and terms. In our opinion, this is the easiest way. Give it a try: app.hypotheke.ch
Digitaler Hypotheken-Vergleich in der Schweiz
Ein digitaler Hypothekenvergleich macht Angebote verschiedener Anbieter online vergleichbar. Besonders bei Hypothekarzinsen, Gebühren und Konditionen hilft ein digitaler online-Vergleich von Hypotheken, Zeit zu sparen und bessere Finanzierungsmöglichkeiten zu erkennen. Hypothekenplattformen eignen sich optimal, um einen Vergleich von Hypotheken vorzunehmen.
Interest rates vary, for example, depending on:
- Providers (bank, insurance company, Pension fund)
- Competitive landscape among providers
- Term of the Fixed-rate mortgage
- Customer’s financial situation
- Type and location of the property
Ein Vergleich lohnt sich deshalb besonders. Im Hypotheken-Zinsvergleich von HYPOTHEKE.ch liegt die Differenz zwischen dem teuersten und dem günstigsten Anbieter regelmässig bei mehr als 0.5 Prozent. Wer zusätzlich gut verhandelt oder eine wie HYPOTHEKE.ch zum nutzt, kann den Zinsvorteil noch vergrössern und noch mehr Geld sparen.
Eine Online-Plattform für Hypotheken ermöglicht es, Hypotheken digital zu berechnen, Hypotheken zu vergleichen und je nach Anbieter direkt abzuschliessen. Der Vorteil liegt in Transparenz, breiter Anbieterauswahl und schnellerer Vergleichbarkeit der Hypothekarzinsen. Die Transparenz sorgt zudem für tiefe Zinsen. Möchten Sie beste Zinsen bei Ihrer Hypothek? Nutzen Sie unser Tool: app.hypotheke.ch
Online Hypotheken-Abschluss in der Schweiz
Beim Online-Abschluss einer Hypothek wird der Prozess digital abgewickelt, von der Berechnung bis zur Offerte oder zum Vertrag. Der grösste Vorteil liegt in Transparenz, Geschwindigkeit und Vergleichbarkeit der Angebote. Mehr dazu auch hier: Plattform für Hypotheken
Yes, some providers now offer digital applications. Through a mortgage platform, you can compare fixed-rate mortgages even more easily and apply online. The chances of finding the very best interest rate through a mortgage platform are high. At bank branches, the process is often tedious and time-consuming; you have to negotiate and play mortgage lenders off against each other to get the best rate. Many homeowners find this unpleasant.
If you want good interest rates, use a platform like HYPOTHEKE.ch:
Choosing the Right Term
Fixed-rate mortgage terms
Many homeowners divide their Mortgage into several with different terms—so-called
Benefits
- Reduction of
- not the entire Mortgage becomes due at once
- more flexibility when
Disadvantages
- are usually more expensive
- Staggered payments can lead to higher costs in the long term
- Limited ability to switch providers and thus little "bargaining power"
Bevor Sie Ihre Festhypotheken staffeln, lesen Sie diesen Artikel mit allen Vorteilen und Risiken: Hypotheken staffeln
Hypothekartranchen entstehen, wenn eine Finanzierung in mehrere Hypotheken mit unterschiedlichen Laufzeiten oder Modellen aufgeteilt wird. Das kann Zinsrisiken verteilen, erschwert aber meist einen späteren Anbieterwechsel, was die Zinsen in die Höhe treibt. Mehr dazu hier: Sollte man Hypotheken mit verschiedenen Laufzeiten abschliessen?
With a stepped mortgage, the total mortgage is divided into several tranches with different Terms. This means the mortgages do not all mature at the same time, which can reduce the risk of interest rate fluctuations when performing an Extension. Many bank advisors recommend this approach. The problem: When performing the Extension on the first tranche, you as the customer are tied to the respective financial institution and must, in effect, accept whatever interest rate is offered. Read more here: Should you stagger your Fixed-rate mortgage or not?
Das Zinsänderungsrisiko beschreibt das Risiko steigender oder schwankender Hypothekarzinsen. Es kann mit Festhypotheken,Forward-Hypotheken oder einer abgestimmten Hypothekarstrategie reduziert werden, oft zulasten maximal tiefer Zinsen.
Eine Online-Verlängerung der Hypothek ermöglicht es, eine auslaufende Hypothek digital zu vergleichen und neu abzuschliessen. Besonders bei einem Anbieterwechsel kann der Online-Vergleich von Hypotheken helfen, tiefere Zinsen und bessere Konditionen zu finden. Mehr dazu auch hier: Hypotheken-Plattformen
Long-term fixed-rate mortgages refer to terms of ten years or more. The ten-year fixed-rate mortgage is one of the most popular Mortgage loan models in Switzerland. Longer terms are relatively rare. They are often offered by insurance companies on favorable terms. The major drawback is the high cost of early termination of the mortgage. If general interest rates remain low or fall, you end up paying significantly too much with a long-term mortgage.
Mortgage refinancing
Stepped mortgages can easily turn into a risky obstacle course.
Break Free from Your Contract
Mortgage Without Repayment Penalty
Is that even possible? Yes—in certain cases.
Some offer special plans that allow for is possible free of charge or for a flat fee—though early termination is usually subject to conditions, such as the sale of the property.
However, these offers are rather rare. They almost never come from banks, but rather from or
Is an early termination right expensive?
No, that’s not necessarily the case. On HYPOTHEKE.ch, you can see whether early termination of the Mortgage is possible with each provider and under what conditions. In many cases, these are very attractive offers in terms of interest rates. Although rare, we usually have two to five offers available on our platform that allow for early termination.
Hypothekenanbieter sind Banken, Versicherungen,Pensionskassen oder andere Finanzierungspartner, die Hypotheken vergeben. Da Zinsen, Vergabekriterien und Prozesse stark variieren, lohnt sich ein breiter Vergleich mehrerer Anbieter. Ein umfassender Hypotheken Zinsvergleich ist digital in wenigen Minuten möglich unter app.hypotheke.ch
Early termination of a fixed-rate mortgage means that the customer ends a current fixed-rate mortgage before the agreed term expires. In such cases, mortgage lenders typically charge a repayment penalty, as they may lose out on interest income due to the early termination. There are providers in Switzerland who, under certain conditions—such as the sale of the property—waive the repayment penalty. This is a very good solution for many borrowers. Read more here: Fixed-rate mortgage without repayment penalty.
A mortgage from an investment foundation is a real estate financing product provided by an investment foundation. Investment foundations invest pension fund assets in mortgages, among other things, and often offer attractive mortgage rates as well as long-term financing solutions. Because they typically do not have their own sales teams, mortgages from investment foundations can often only be arranged through mortgage platforms. HYPOTHEKE.ch collaborates with several investment foundations and applies for some of them.
Break free from the ties
Fixed-rate mortgage with no repayment penalty—the best of both worlds.
Mortgage
It pays to compare
There are significant differences between providers:
- Interest rates vary widely
- Terms and conditions differ
- Special solutions are often hidden
A comparison using a Mortgage platform shows you:
- the best
- providers that suit your situation
- true market transparency for mortgages
HYPOTHEKE.ch is Switzerland’s largest online Mortgage platform.
Mehr zum Thema Hypotheken-Plattformen finden Sie hier:
Hypothek über eine Plattform abschliessen.
Hypothek mit bestem Zins
Die Hypothek mit dem besten Zins ist nicht immer die erstbeste Offerte, sondern das Angebot mit tiefem Zinssatz, passenden Konditionen und transparenten Gebühren. Ein breiter Hypothekenanbieter-Zinsvergleich erhöht die Chancen auf Einsparungen. Für eine individuelle Berechnung von Angeboten können Sie Hypotheken-Marktplätze wie HYPOTHEKE.ch nutzen.
Our current top interest rates
| Festhypothek 1 Jahr | 0.896 % |
| Festhypothek 2 Jahre | 0.980 % |
| Festhypothek 3 Jahre | 1.000 % |
| Festhypothek 4 Jahre | 1.040 % |
| Festhypothek 5 Jahre | 1.100 % |
| Festhypothek 6 Jahre | 1.160 % |
| Festhypothek 7 Jahre | 1.130 % |
| Festhypothek 8 Jahre | 1.180 % |
| Festhypothek 9 Jahre | 1.240 % |
| Festhypothek 10 Jahre | 1.290 % |
| Festhypothek 11 Jahre | 1.330 % |
| Festhypothek 12 Jahre | 1.370 % |
| Festhypothek 13 Jahre | 1.640 % |
| Festhypothek 14 Jahre | 1.674 % |
| Festhypothek 15 Jahre | 1.700 % |
| SARON Hypothek (Marge) | 0.750 % |
Informationen zu den besten Hypothekarzinsen von HYPOTHEKE.ch
Die Zinsen auf unserer Hypothekenplattform werden von unseren Finanzierungspartnern stündlich aktualisiert. Die hier angezeigten «ab Zinsen» / Top-Zinsen werden von mindestens einem Anbieter auf HYPOTHEKE.ch angeboten. Es handelt sich um den aktuell bestmöglichen Hypotheken-Zinssatz. Die individuellen und abschlussfertigen Zinsen hängen von verschiedenen Parametern wie Belehnung, Tragbarkeit, Immobilienwert, Region und anderen Faktoren ab und können von den hier angezeigten Zinsen abweichen.
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