A loan with flexible conditions secured with real estate
Competent advice from a private advisor
Complete insurance offer
Flexible loan conditions
Individual application’s evaluation and interest rate
Loan repayment term up to 30 years
Possibility to defer principal payments
You can make a full or partial loan early repayment in the internet bank, as well as conveniently change monthly payment date and account
Annual percentage rate as a typical example
The initial annual percentage rate of charge of a mortgage loan is 3.94% under the following sample conditions:
loan amount of 38,000 CHF is paid out upon conclusion of the agreement;
annual interest rate 3.66% on the loan balance (the interest rate consists of the 6 month EURIBOR and a margin of 3.66%; on 23 March 2022, the 6 month EURIBOR was –0.518% (the negative value of EURIBOR is considered to be equal to zero when calculating interest); the EURIBOR fixed in the agreement may change every 6 months, the margin is fixed until the end of the agreement);
repayment within 15 years in 180 monthly annuity payments;
contract fee of 380 CHF is paid upon conclusion of the agreement;
monthly fee of the bank account 0.30 CHF.
