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FAQ
Depending on whether you have taken out a fixed-rate mortgage, a SARON mortgage or a variable-rate mortgage with a bank, different rules apply when switching. In the case of existing fixed-rate mortgages, it usually only pays to switch after the end of the term. Otherwise, you may have to pay a high penalty fee or early repayment penalty. It is also possible to switch individual tranches with different terms to a new provider.
Variable-rate mortgages often have a shorter notice period of six months. In the case of SARON mortgages, there are different notice periods, depending on the provider.
In general, be sure to check the contractual conditions relating to cancelation. In the case of extraordinary cancelation, you or possibly the other party’s bank will have to pay compensation – depending on current interest rates.
Once we have all the information about you and the property to be financed, we will take care of as much of the administrative work as possible for you, including:
- Initiating cancelation of the mortgage
- Irrevocable promise to pay the former bank
- Transfer of mortgage notes
- Implementation of the change of creditor
- Issuance of new loan agreements
- Any notifications of pledged pension assets, including their safekeeping
No. However, in addition to the new loan agreements, an additional transaction account must be opened for the interest payment. This can easily be canceled with your current bank. Of course, there are some advantages to having a complete banking relationship with ¶·Å£ÆåÅÆÔÚÏß.
The interest rates and prices shown are part of our expanded offering with ¶·Å£ÆåÅÆÔÚÏß key4 mortgages. Interest rates from different Swiss financing providers are combined to create individual offers. The interest rates shown are not binding. You can discuss your situation in more detail in a free consultation with our mortgage experts so that we can make you a binding offer.
Our special offers apply exclusively to ¶·Å£ÆåÅÆÔÚÏß mortgages.
In addition to our ¶·Å£ÆåÅÆÔÚÏß mortgages, with ¶·Å£ÆåÅÆÔÚÏß key4 mortgages we give you access to mortgages from selected third-party providers. Instead of spending a great deal of time obtaining offers, you can simply let the providers come to you. As your contact and contractual partner, we will look after and manage your mortgage for you.