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Short term mortgage loan

This loan lets you take advantage of market conditions during periods of steady or declining interest rates. However, because interest rates can go up, you’ll need to keep a close eye on the financial markets.

Highlights of our short-term loan

Attractive
interest rates

The short-term interest rate on this mortgage loan is designed to closely track market trends. The loan will renew automatically every three or six months unless you decide to switch to a different type of mortgage loan.

Possibility of combining rates

To reduce interest-rate risk, you can divide your mortgage loan into multiple tranches with different interest-rate conditions.

The flexibility
you need

At the end of each term, you’ll have the option of switching to a different type of mortgage loan if you think the short term rate will go up.

Calculate your monthly mortgage payments

Details

Minimum amount of CHF 20,000
Maximum amount of 80% of the purchase price (for condominiums) or 50%–70% of the purchase price (for other real estate); minimum down payment of 20%
Loan term of 3 to 6 months (renewed automatically)
Fixed rate for each loan term
Principal repayment generally 1.25% per year
Quarterly payments that include both interest and principal

Credit Fee Schedule

See our other mortgage loans

Fixed-rate loan

Fixed interest rate throughout the loan term
Loan term of 2 to 10 years with the option of combining different maturities
Possibility of locking in the interest rate for your loan up to 18 months ahead of time

Our fixed-rate loan

SARON loan

Variable interest rate based on SARON (published daily)
Loan term of 2 to 5 years
Can be converted to a fixed-rate loan every three months, for a term equivalent to the remaining term of the SARON agreement

Our SARON loan

Building Plus mortgage loan

Same fixed interest rate for both the construction phase and the subsequent mortgage
Loan term of 4 to 10 years
Building loan will be converted into a mortgage loan once construction is complete

Our Building Plus loan