Mortgages Guide Own & Renovate
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Renovating and refurbishing with pension capital. What is permitted?
Renovating residential property can quickly become expensive. Under certain conditions, money from your own pension provision can provide relief. Find out more about when the withdrawal of capital from pillar 3a for renovations is possible and how you can even use your pension fund assets as part of the promotion of home ownership program.
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Greater security thanks to a forward mortgage.
Mortgage interest rates are currently at record lows and many homeowners want to take advantage of this. With a forward mortgage, you can fix the interest rate of a future fixed-rate mortgage right now, even if your current mortgage has not yet reached the end of its term.
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Mortgage refinancing. How to transfer your mortgage.
There is a lot to consider when you want to change banks and refinance your mortgage. Learn how to transfer your mortgage, why it is not enough to just compare mortgage interest rates, and when it pays off to refinance your mortgage despite the early repayment penalty.
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Extending your mortgage. Adjust real estate financing to suit your changing needs.
If you extend your mortgage, your needs should take center stage. Perhaps you would like to simultaneously increase your mortgage or repay it? Find out the important aspects of follow-up financing.
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Homes in old age: planning today is better than tomorrow.
Sooner or later, people who own a house or an apartment will need to consider what will happen with the property in old age. Is the mortgage still affordable? Is the home age-appropriate? Should the house be signed over to a child one day? It is a good idea to consider this early on.
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Paying off your mortgage – reasons for and against voluntary repayment
Compared to their international counterparts, Swiss property owners have large mortgage debts, which they often do not pay off. There are good reasons for this. Nevertheless, in some cases it can make sense to repay your mortgage. Find out when voluntary repayment is beneficial and when it is better for you not to pay off any more of your mortgage.
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Direct or indirect repayment – the right method of repayment for you
If you need to repay your mortgage, you can choose one of two options: direct repayment or indirect repayment. Both options have advantages and disadvantages. When thinking about your mortgage repayments, you should take a long-term view and consider your personal circumstances.
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It pays to revalue your real estate
Values such as amortization or maximum loan amount are generally based on the original purchase price of real estate. When planning renovations, extending an existing mortgage, or looking into bridge financing, it is advisable to have your property revalued by an expert.
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Renovation: What You Need to Consider during Planning
Planning is key if you want your renovation to be a success. Matters such as the cost of renovating your home and how you will finance this are not the only things to consider. Having a realistic schedule and obtaining a building permit (if one is required) are just as important. Find out what should be taken into account when planning your renovation and when it is a good idea to consult an architect.
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Renovating Pays – Here's Why
Are you toying with the idea of renovating your house or apartment? There are many reasons to do so. In addition to retaining or increasing value, improved energy efficiency is one of the most important.
