The SARON mortgage loan is a competitive solution for financing the purchase of your home. It is a variable-rate loan, and the interest rate is based on the Swiss Average Rate Overnight (SARON).

The interest you pay on this loan varies in line with money-market rates. That means you need to have sufficient liquidity on hand in the event that interest rates rise sharply over the quarter.

It is important to pay close attention to the money market: if rates rise and you decide that the SARON mortgage loan no longer meets your needs, you can switch to another type of mortgage loan at any time.

Credit Fee Schedule (253,3 kB)

SARON mortgage loans are subject to a variable interest rate. One way of limiting interest-rate risk is to keep a close eye on both short- and long-term interest rates, and to change mortgage products if the SARON rises too sharply. Another way is to divide your mortgage loan into several tranches, including one with a fixed rate.

Fixed-rate mortgage

It's easy to get a handle on your budget with our fixed-rate mortgage loan: your monthly payments will remain the same throughout the term of the loan, even if interest rates go up.

Libor mortgage

The short term mortgage loan closely follows financial market conditions during your chosen term.

Building Plus loan

Our Building Plus loan provides worry-free financing for the construction of your home – and you don't have to start paying it back until construction is complete.