Mortgages Products and Terms

Products and Terms

You have found the house or apartment of your dreams, and now it is a question of financing. Credit Suisse offers you attractive solutions for financing your own home that are particularly tailored to your hopes and needs.

Skillfully Combine Mortgage Models

Having the right models and the right term makes all the difference.

Mortgage Models and Terms 

We will develop the right solution for you by combining mortgage models and personally selected terms, whether as a Fix mortgage, a Forward fix mortgage, a Flex rollover mortgage, an adjustable-rate mortgage, or a construction loan.

Fix Mortgages: Confident Planning for the Long Term

With a Fix mortgage, borrowers can plan and budget with confidence.

Credit Suisse: Fix mortgage

A Fix mortgage has the following features:

A Fix mortgage has a fixed term for a fixed amount and a fixed mortgage interest rate. It also gives you the option of direct or indirect amortization.

A Fix mortgage is particularly suitable if you want to budget for the entire term using the currently low interest rate and if you anticipate rising interest rates in the future that you would like to protect yourself from.

Conditions

Minimum amount CHF 100,000
Term 2–15 years
Interest rate Based on your particular offer (non-binding reference rates – see  mortgage interest rates)

Forward fix mortgages: lock in current interest rates for later

If you want to lock in today's attractive interest rates for a mortgage later on – whether for your first mortgage or for an extension of your existing mortgage – with a Forward fix mortgage, you can protect yourself from rising interest rates and know the mortgage interest costs to budget for in advance.

Credit Suisse: Forward Fix Mortgage

A Forward fix mortgage has the following features:

With a Forward fix mortgage, you can lock in today's mortgage interest rate in your Online Banking account for up to two or even three years before a new mortgage is issued or an existing mortgage is extended. All this for a fixed term, a fixed amount, and a fixed mortgage interest rate. You also have the option of direct or indirect repayment.

A Forward fix mortgage is ideal if you want to lock in today's attractive interest rate in advance for the entire term of your mortgage. It is also ideal if you expect interest rates to be significantly higher when your new mortgage is disbursed or your existing mortgage is extended and want to protect yourself from this early on.

Conditions

Minimum amount CHF 100,000
Term 2–15 years (incl. waiting period)
Interest rate

Based on your particular offer (non-binding reference rates – see mortgage interest rates)

Variable-rate mortgages: maximum flexibility

If you want to stay flexible: With an Adjustable-rate mortgage, you can switch to other Credit Suisse mortgage models at any time.

Credit Suisse: adjustable-rate mortgage

An Adjustable-rate mortgage has the following features:

An Adjustable-rate mortgage has flexible terms and amounts. The mortgage interest rate is continuously adjusted to the current interest rate level. You also have the option of direct or indirect repayment.

An adjustable-rate mortgage is ideal if you want as much flexibility as possible. This requires that you be able to handle uncertainty and fluctuations in the market interest rates. 

Conditions

Minimum amount None
Term No fixed term
Interest rate Based on your particular offer (non-binding reference rates – see mortgage interest rates)

Flex rollover mortgages: close to the market interest rate

With a Flex rollover mortgage, you participate in the current interest-rate development on the market in accordance with the agreed tranche terms, and you have the option of switching to another Credit Suisse mortgage product.

Credit Suisse: Flex Rollover Mortgage

A Flex rollover mortgage has the following features:

You select the overall term (framework term) and define the periods (tranches) after each of which the mortgage interest rate is reset. At the same time, the mortgage rate is linked to the LIBOR and is reset at the beginning of each tranche based on the current market conditions. "LIBOR" stands for London Interbank Offered Rate, and refers to the rate at which banks make short-term loans to each other. If the LIBOR is negative, a LIBOR of 0.00% is used for the calculation.

The interval of a tranche can be changed at the end of each tranche term selected. You have the option of direct or indirect repayment.

Conditions

Minimum amount CHF 100,000
Term Framework term: 1–3 years
Tranche term: 1, 2, 3, 6, or 12 months 
Interest rate Based on your particular offer (non-binding reference rates – see mortgage interest rates)

Construction loans: financing construction

If you want to carry out a construction project and need a financing solution during the construction phase – with a Construction loan, you are granted a credit limit that is used to settle the construction bills.

Credit Suisse: Construction Loan

A Construction loan has the following characteristics:

It is your method of acquiring capital for building sites, new construction, renovations, or modifications of residential or commercial property. A Construction loan gives you flexible payment options for financing your construction project. A Construction loan is managed as a current account credit.

A Construction loan is particularly suitable if you need a credit line that you can use flexibly to pay bills for your construction project on an ongoing basis.

The following options are available to clients who want to convert a Construction loan into a mortgage (consolidation):

  • Traditional consolidation of the entire credit amount 
  • Consolidation on a fixed date (pre-consolidation)
  • Partial consolidation  

Conditions

Minimum amount CHF 100,000
Term A maximum of two years during the construction phase
Interest rate Based on your particular offer (non-binding reference rates for mortgage interest rates)
Credit commission 0.25% per quarter on the maximum amount utilized

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