HYPOTHEKE.CH
Interest rate index for residential real estate
Our reflects interest rate trends for for permanently owner-occupied residential properties in Switzerland. More than 250,000 data points are incorporated into the index calculation each year. The common are weighted to reflect the Swiss mortgage market as accurately as possible over the long term.
Hypothek
Eine Hypothek ist ein Darlehen für den Kauf oder Bau einer Immobilie in der Schweiz, bei dem die Liegenschaft als Sicherheit dient. Hypotheken können direkt bei einem Hypotheken-Anbieter abgeschlossen werden oder über Hypotheken-Plattformen. HYPOTHEKE.ch ist die grösste online-Hypothekenplattform. Die wichtigsten Hypotheken in der Schweiz sind folgende: Festhypothek,SARON-Hypothek
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
Data exchange
Interest rate data for media professionals
Are you a journalist? The HYPOTHEKE.ch interest rate index for residential real estate is just a “small sample” from our We can support you with comprehensive analyses and a wealth of relevant data on the topic of Mortgages. Contact Florian Schubiger: 044 552 57 58
Die Hypotheken-Zinsdatenbank von HYPOTHEKE.ch gehört zu den umfangreichsten Datenquellen für Hypothekarzinsen in der Schweiz. Täglich werden Zinsen zahlreicher Banken, Versicherungen, Pensionskassen und weiterer Kreditgeber erfasst, verarbeitet und historisiert. Dadurch lassen sich aktuelle Hypothekarzinsen, historische Zinsentwicklungen sowie Zinskurven von Hypotheken über verschiedene Laufzeiten analysieren. Die Zinsdatenbank wird regelmässig von Journalisten, Finanzinstituten und Marktbeobachtern genutzt, um Entwicklungen am Schweizer Hypothekenmarkt fundiert einzuordnen und zu dokumentieren.
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In Switzerland
Compare mortgage rates
With our interest rate index, interested parties can get a good overview of the current . As the approaches, it is important to compare specific lender interest rates because the differences between individual are often significantly greater than many homeowners assume. Banks, and assess risks differently and therefore sometimes offer significantly different interest rates for the same Mortgage.
Ein Hypothekargeber stellt Kapital für eine Hypothek zur Verfügung. In der Schweiz sind dies vor allem Banken, Versicherungen, Pensionskassen und Anlagestiftungen, deren Angebote sich bei Zinssatz, Laufzeit und Vergabekriterien deutlich unterscheiden können. HYPOTHEKE.ch arbeitet mit allen wichtigen Schweizer Hypothekargebern zusammen.
Versicherungsgesellschaften treten in der Schweiz zunehmend als Hypothekargeber auf. Je nach Laufzeit, Objekt und Risikoprofil können Versicherungen attraktive Hypothekarzinsen und alternative Finanzierungsmöglichkeiten bieten.
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 even applies for sales exclusively for some of them.
Parameters
Analysis of the difference in interest rates
Over the past
days, the interest rate has changed by
%.
This has increased the annual costs for a Mortgage from
CHF by
CHF
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Frequently Asked Questions
Answers about our interest rate index
The HYPOTHEKE.ch interest rate index for residential real estate collects data hourly from more than 500 Depending on the Mortgage loan model, interest rates from more than 50 providers are included in the index. Annually, more than 250,000 data points are incorporated into the calculation of the index. Historically, the data is saved once a day.
All providers in the index are equally weighted; the outstanding mortgage volume has no influence on the weighting. The common mortgage loan models are weighted in such a way that they reflect the mortgage market as accurately as possible over the long term. The composition will not be changed over time—unless absolutely necessary. This is to ensure that a historical analysis of financing costs can be conducted as accurately as possible.
The index reflects general interest rate trends for residential real estate in Switzerland.
Einen Anbietervergleich von Hypothekarzinsen finden Sie hier: Vergleich Hypotheken vieler Anbieter
Hypothekarzinsen vergleichen
Beim Vergleich von Hypothekarzinsen werden die Zinssätze und Konditionen verschiedener Banken, Versicherungen und Pensionskassen gegenübergestellt. Da sich Hypothekarangebote je nach Anbieter und persönlicher Situation deutlich unterscheiden können, ist ein umfassender Vergleich besonders wichtig. Online-Plattformen für Hypotheken schaffen Transparenz und helfen dabei, passende Hypotheken mit besten Zinsen zu finden.
Much depends on the financing costs of home ownership. It is therefore crucial to keep an eye on these costs. Changes in financing costs affect real estate prices, consumer behavior, rents, and many other factors. An index provides a transparent overview of these costs and enables historical tracking. Current data can be compared with past data, and trends can be monitored on an ongoing basis.
Yes. The Mortgage Index aims to reflect the residential mortgage market as accurately as possible. That is why the interest rates for are also included in the index. Prior to the introduction of the SARON mortgage, data from the Libor mortgage was included in the index.
SARON Hypothek
Eine SARON-Hypothek ist eine geldmarktbasierte Hypothek mit variablem Zinssatz. Sie eignet sich vor allem für Kreditnehmer, die Zinsschwankungen tragen können und von transparenten, kurzfristigen Marktzinsen profitieren möchten. Mehr dazu auch hier: Festhypothek oder Saron-Hypothek?Saron-Hypothek abschliessen und später in Festhypothek wechseln?
The index is based on mortgage interest rates for owner-occupied residential property in Switzerland. The Mortgage Index is therefore primarily relevant for analyzing the financing costs of Swiss residential property. However, because interest rates for investment and commercial properties follow similar trends, other mortgage and financing costs can also be analyzed in a historical comparison.
For closed mortgages, these are which vary depending on the property and the borrower’s creditworthiness and are not publicly disclosed. Depending on the type of transaction, the mortgage lender’s margin may vary, which could distort the index in the short term. The index therefore includes the from more than 50 providers. The index serves as an excellent benchmark and historical measurement tool. However, the negotiated interest rates may be lower or higher.
You can find out your personal mortgage interest rate right here
Zinsverhandlung bei Hypotheken
Die meisten Hypothekarzinsen sind verhandelbar. Wie gross der Spielraum ist, hängt von Ihrer Bonität, der Belehnung, der Tragbarkeit und vor allem von den Alternativen ab, die Sie dem Kreditgeber gegenüberstellen können. Wer mehrere vergleichbare Offerten von Banken, Versicherungen oder Pensionskassen einholt, verbessert seine Verhandlungsposition deutlich. Wollen Sie die beste Hypothek ohne mühsames Verhandeln abschliessen? Nutzen Sie unsere Hypothekenplattform dazu. App.hypotheke.ch
Reference rates are the mortgage rates published (mostly) online by mortgage providers. For many providers, these rates are significantly higher than actual market rates because many providers want to leave room for negotiation. Those who take out a mortgage based on these indicative rates often end up paying significantly more than necessary. To see where the truly good rates are, get an overview of Switzerland’s largest mortgage rate comparison.
The HYPOTHEKE.ch interest rate index for residential real estate is updated hourly, providing a very up-to-date picture of interest rates for owner-occupied Swiss properties. Historical data is saved once a day.
Legal Information
Copyright, Intellectual Property Rights, and Imprint
Data and graphics from the HYPOTHEKE.ch Residential Mortgage Rate Index may be used freely, provided they are not retrieved or reused automatically and only at irregular intervals. Data from the CSV export may also be used to create custom graphics, provided the data and its meaning are not distorted. Republishing (on websites, social media, in editorial articles, etc.) is expressly permitted. In all cases, the following source must be cited: HYPOTHEKE.CH Interest Rate Index for Residential Real Estate. We would appreciate a link to www.hypotheke.ch on websites, PDF files, and other online or social media platforms.
The HYPOTHEKE.ch interest rate index for residential real estate is provided by GTF Gesellschaft für technologiebasierte Finanzdienstleistungen AG. The index reflects the financing costs for homeownership in Switzerland. The index incorporates the benchmark rates of most Mortgage lenders and various Mortgage loan models in Switzerland. Well over 500 data points are entered and displayed each day. The index includes interest rates from banks, insurance companies, and Pension funds, and online mortgages are also included. All providers are weighted equally in the index. The index is updated hourly.
Disclaimer
HYPOTHEKE.CH schliesst uneingeschränkt jede Haftung für Verluste und Schäden irgendwelcher Art aus - sei es für indirekte, direkte oder Folgeschäden, welche sich durch die Verwendung des HYPOTHEKE.CH Zinsindex für Wohnimmobilien ergeben sollten. Die Informationen begründen keine Empfehlung zum Erwerb oder Verkauf von Anlageinstrumenten oder zur Tätigung sonstiger Transaktionen oder zum Abschluss irgendeines Rechtsgeschäfts. Die zukünftige Performance von Anlagevermögen oder die zukünftigen Zinsen einzelner Anbieter oder Zinsen allgemein lassen sich nicht aus aufgezeigten Kurs, Zins oder Indexentwicklungen oder anderen Darstellungen ableiten. Das Zinsniveau und Wertschriftenrenditen können sich jederzeit ändern. Massgebend sich auch unsere Nutzungsbedingungen.
Zinsentwicklung verschiedener Hypothekarmodelle und Anbieter finden Sie hier: Zinsen vergleichen Hypothek
Calculation of provider interest rates included in the index
The interest rates shown are indicative reference rates for residential property. The reference rates are updated hourly and archived once daily for historical comparisons and index calculations. All information is non-binding and provided without guarantee. Certain reference values included in the index apply only up to a certain loan-to-value ratio, which may vary depending on the provider. If a provider specifies an interest rate range, the lowest interest rate is included in the index. If interest rates can be calculated individually online on a provider’s website or if the interest rate varies depending on the mortgage amount, the following assumptions apply: Mortgage amount / total mortgage: CHF 500,000, tranche for replacement: CHF 500,000, appraised value / Market value of the property: CHF 800,000, total gross income: CHF 100,000. If a provider has different interest rates for new business and its "existing portfolio," the interest rate for new business is included in the index. If different interest rates apply to Saron mortgages depending on the term of the framework agreement, a three-year term is used in the interest rate comparison. For online mortgages, the approval criteria can be significantly stricter than for conventional mortgages. Offers that are valid only for a limited time, for new customers, a specific group of people, special types of buildings (e.g., eco-friendly buildings), or subject to other conditions are not included in the index. Interest rates from mortgage brokers or intermediaries are not included in the index—only the interest rates of actual mortgage lenders/final contracting parties are included in the mortgage index. Errors excepted.
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