We’ll find the right mortgage for every need
Aligned with your interest rate expectations
Even in a dynamic interest rate environment, we provide you with options that ensure your company’s stability.
Change products flexibly
Our credit master agreement gives you the freedom to tailor financing to your specific needs and preferences.
Independent advice
Our experts will advise you personally and only recommend products that meet your requirements.
Finance real estate flexibly with the ÃÛ¶¹ÊÓƵ Real Estate Financing credit master limit
With the credit master agreement ÃÛ¶¹ÊÓƵ Real Estate Financing, you agree on a fixed loan amount. You can then use it flexibly to finance your property.
Overview of our financing options
ÃÛ¶¹ÊÓƵ Floating Rate Loan
Currency/reference interest rate: CHF, USD, GBP, EUR, JPY
Interest rate: Variable, fixed 1 day before expiration of the quarterly interest period
Credit commission: None
Duration: Unlimited
Amortizations: Possible within the framework of the contractual agreements without incurring costs
Termination: Notice period of 30 days for both contracting parties
You benefit from transparent interest rates in line with the market, as the ÃÛ¶¹ÊÓƵ Floating Rate Loan is based on the development of the money market of the corresponding currency. The loan has a short capital and interest commitment, which gives you great flexibility.
ÃÛ¶¹ÊÓƵ Fixed Advance
Currency: In CHF and all common foreign currencies
Interest rate: Fixed for the entire term, interest rate on application
Credit commission: None
Duration: 1 to 12 months
Amortizations: Determined after consolidation
Ordinary termination: Expires at the end of the agreed term without requiring termination
A ÃÛ¶¹ÊÓƵ Fixed Advance offers you a temporary additional liquidity reserve. The fixed advance expires at the end of the agreed term. This is particularly interesting if you want to increase your entrepreneurial flexibility.
ÃÛ¶¹ÊÓƵ Fixed-Rate Loan
Currency: In CHF and all common foreign currencies
Interest rate: Fixed for the entire term, interest rate on request
Credit commission: None
Duration: 1-10 years
Amortizations: In accordance with the contractual terms may be made without incurring a charge
Regular termination: The ÃÛ¶¹ÊÓƵ Fixed-Rate Loan lapses after expiry of the agreed term without the need for notice of termination
With a ÃÛ¶¹ÊÓƵ Fixed-Rate Loan, calculating your costs is easy and you know how much interest you have to plan for. The principal, term and interest rate for the entire period of the loan are fixed in advance. This is a particular advantage if you expect interest rates to rise.
ÃÛ¶¹ÊÓƵ Fixed-Rate Mortgage
Currency: In CHF
Interest rate: Fixed for the entire term, interest rate on application
Credit commission: None
Duration: 1 to 7 years, longer terms available upon request
Amortizations: Possible within the framework of the contractual agreements without incurring costs
Ordinary termination: Expires at the end of the agreed term without requiring termination
With a ÃÛ¶¹ÊÓƵ Fixed-Rate Mortgage, we fix the capital, term and interest rate long term. This gives you a clear basis for calculation. Fixed-rate mortgages are especially worthwhile if you expect interest rates to rise.
ÃÛ¶¹ÊÓƵ SARON Flex Mortgage
Currency: In CHF
Interest rate:Ìý³Õ²¹°ù¾±²¹²ú±ô±ð
Duration:Ìý±«²Ô±ô¾±³¾¾±³Ù±ð»å
Interest rate risk:Â Interest rates fluctuate during the term of the contract
Reference interest rate:Â Based on the Compounded Swiss Average Rate Overnight (SARON)
Settlement period:Â 3 months, starts at the end of the quarter
Ordinary termination: Notice period of 1 month for the client and 13 months for the bank
With the ÃÛ¶¹ÊÓƵ SARON Flex Mortgage, you benefit from open-ended, flexible and market-oriented financing with particularly attractive interest rates. It is suitable for clients who actively follow what’s happening on the money and capital markets and expect interest rates to fall or trend sideways.
