Financing Mortgages

Mortgages

Select your personal solution from among our various financing models.

Take Advantage of Our Offer to Finance Your Real Estate

Are you planning to acquire your company's real estate or investment properties? Then let's discuss the right mortgage financing together. Alternatively, you can finance your business and investment properties with us via a leasing agreement without tying up your capital.

For the following clients

  • Clients who are comfortable with the fact that the interest amount actually due is not known until the end of the respective accounting period
  • Clients who can accept uncertainties and fluctuations in the market interest rate

Advantages for you

  • Benefit from consistently low or falling interest rates
  • Participate in the current interest rate development throughout the selected term

Your options

  • You choose the term and periodicity of the accounting period
  • Flexible thanks to the possibility of switching to a different Credit Suisse mortgage product every day

Conditions

  • Minimum amount - CHF 100,000
  • Term - 1, 2 or 3 years
  • Tranche - 1 or 3 month

How does the SARON mortgage work?

For the SARON mortgage, the interest rate comprises the compounded SARON and an agreed fixed margin. The interest rate is only announced retrospectively at the end of the interest period.

How does interest computation work for the SARON mortgage?

Compounding is an interest-​on-interest computation using the base rates fixed daily for a specific accounting period, i.e. the computation is performed retrospectively as of the due date for the accounting period.

For the following clients

  • Clients who want to know their mortgage interest at the start of the tranche term
  • Clients who can accept uncertainties and fluctuations in the market interest rate

Advantages for you

  • Benefit from consistently low or falling interest rates
  • Participate in the current interest rate development – with a period of delay – throughout the selected term

Your options

  • You choose the overall term – each tranche equals one month
  • Flexibility thanks to the possibility of switching to a different Credit Suisse mortgage product (at the end of the fixed interest period)

Conditions

  • Minimum amount - CHF 100,000
  • Term - 1 year or 2 years
  • Tranche - 1 month

How does the SARON rollover mortgage work?

For the SARON rollover mortgage, the interest rate comprises the compounded SARON from the previous period, the hedging costs, and an agreed fixed margin. This means that the interest rate is communicated and guaranteed at the start of the interest period.

How does the interest computation work for the SARON rollover mortgage?

Compounding is an interest-​on-interest computation using the base rates fixed daily for a specific accounting period, i.e., the computation is performed retrospectively as of the due date for the accounting period.

The observation period will begin one month and three working days before the start of the respective partial term and will end three working days and one calendar day before the start of the respective partial term.

Calculate Your Costs Thanks to a Fixed Mortgage Interest Rate.

Your Benefits with a Fix Mortgage

  • Protection against rising mortgage interest costs thanks to a fixed interest rate.
  • You can budget for your mortgage interest costs in advance.

Your Needs

  • You are looking for security and you want predictable interest costs for the entire term of your mortgage.
  • You want to protect yourself against increases in mortgage interest rates.

What You Need to Know About the Fix Mortgage

Characteristics

  • Whereas adjustable interest rates adapt to market conditions, the interest on a fixed-rate mortgage remains the same throughout the entire term.
  • Option to choose direct or indirect repayment.

Suitable in these cases:

  • Mortgage interest rates look set to rise sharply.
  • The currently available fixed interest rate is attractive, and you would like to use it for long-term budgeting.
Example of a Fix Mortgage

Example

Fix Mortgage

Conditions for the Fix Mortgage

Minimum amount CHF 100,000
Term 2 to 15 years
Interest rate As per your individual offer
Secure Your Interest Rate for Tomorrow Today, with a Forward Fix Mortgage.

Your Benefits with a Forward Fix Mortgage

  • The mortgage interest rate is fixed at an early stage.
  • You are protected against rising mortgage interest costs thanks to a fixed interest rate.
  • You can budget for your mortgage interest costs in advance.

Your Needs

  • Because the interest rate environment is attractive at present, you intend to fix your mortgage interest rates today for a later period.
  • You are looking for security and you want predictable interest costs for the entire term of your mortgage.

What You Need to Know about the Forward Fix Mortgage

Characteristics

  • The mortgage interest rate can be fixed for up to two years before a new mortgage is paid out or an existing mortgage is extended.
  • The mortgage interest rate can be fixed for the entire term.
  • No interest rate fluctuations.
  • Option to choose direct or indirect repayment.

Suitable in these cases:

  • The Forward Fix mortgage is ideal if you think that mortgage interest rates are set to rise rapidly. This makes it suitable if you expect a higher interest rate when your mortgage is due to be paid out or your current mortgage is due to be extended.
Example of a Forward Fix Mortgage

Example

Forward Fix Mortgage

Conditions for the Forward Fix Mortgage

Minimum amount CHF 100,000
Term 2–15 years (including waiting period)
Interest rate As per your individual offer
Enjoy Maximum Flexibility with an Adjustable-Rate Mortgage.

Your Benefits with an Adjustable-Rate Mortgage

  • Flexibility thanks to the option of switching to other Credit Suisse mortgage models.
  • Option to make extraordinary repayments subject to a notice period.

Your Needs

  • You want flexible repayment options.
  • You want to wait and see before deciding on a mortgage model with a fixed term.

What You Need to Know About the Adjustable-Rate Mortgage

Characteristics

  • With an Adjustable-rate mortgage, you can switch to other Credit Suisse mortgage models at any time.
  • No defined term.
  • Option to adjust the mortgage interest rate to reflect a changed interest environment at any time.
  • Option to choose direct or indirect repayment.

Suitable in these cases:

  • The Adjustable-rate mortgage is ideal when interest rates are falling.
Example of an Adjustable-Rate Mortgage

Example

Adjustable-Rate Mortgage

Conditions for the Adjustable-Rate Mortgage

Minimum amount None
Term No fixed term
Interest rate As per your individual offer
Choose the Right Financing Option for your Construction Project.

Your Benefits with a Construction Loan

  • Construction interest is optimized because it is calculated only on the credit amount that is effectively used.
  • Excellent flexibility for converting the construction loan into a mortgage (consolidation) – you can select the timing to suit your individual needs, and the conversion can be staggered.
  • Free choice of mortgage products when you consolidate your construction loan.
  • Construction loan with fixed consolidation dates: Early fixing of the interest rate ensures excellent cost predictability.

Your Needs

  • You need financing for the building work during the construction phase of your project.
  • You would like a flexible credit line so that you can pay contractors' bills as they fall due during the construction phase.

What You Need to Know about Construction Loans

Construction loans are ideal if you want to finance a construction project and you need a flexible payment facility for the bills associated with it:

  • Raising of capital for the purchase of building land as well as for new builds and renovations
  • Raising of capital for renovating residential or commercial property

The construction loan is initially managed as a current account credit. It is converted into a mortgage (or "consolidated") once construction is completed, if not before.

Example of Construction Loans

Example

Construction Loan

Conditions for Construction Loans

Minimum amount CHF 100,000
Term during the construction phase maximum of two years
Credit commission 0.25% per quarter on the maximum amount utilized
Interest rate As per your individual offer

Personal Consultation 

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We're always here for you, and that's on a personal level too. To arrange a personal consultation call us toll-free on 0800 88 88 74* or use the contact form.