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Property financing

Your dream is our challenge

Make sure your foundations are sound, not just for your own four walls but also for your financing.

Thanks to our wide range of financing options you can turn your dream of having your own home into reality - with complete peace of mind. We are one of the leading lenders in the Liechtenstein / eastern Switzerland region, and our experienced specialists will lend you strong support by identifying the best financing option for your home construction, refurbishment or property purchase. In the process we will ensure that the loan durations and interest charges are the best possible match for your own financial circumstances.

Fixed-Rate Mortgage

The Fixed-Rate Mortgage is especially suitable for those who wish to budget for their interest costs over the long term and who expect interest rates to rise.

With the Fixed-Rate Mortgage, the interest you pay stays the same for the loan's duration. It is based on the market conditions prevailing when the mortgage is arranged. The Fixed-Rate Mortgage enables you to budget reliably for your expenditures, since the cost to you remains the same throughout.

Features

Minimum amount CHF 100,000 and possible only as first mortgage
Interest rate

fixed

Interest payment date every six months
Loan repayment according to contractual conditions agreed in each case
Termination at any time subject to three months' notice; termination before the fixed-interest period expires is possible only against payment of an early repayment penalty charge.

 

Advantages

  • Costs remain the same even if interest rates rise
  • Chance of benefiting from lower interest rates over the longer term
  • Complete planning certainty
  • Can be combined with other products
  • Customised combinations with various durations possible

 

Restrictions

  • No chance of benefiting from decrease in interest rates for the duration
  • Termination mid-duration possible only against payment of an early repayment penalty charge
  • When interest rates are high, maturity can shorten, making new financing more expensive

Forward Fixed-Rate Mortgage

The Forward Fixed-Rate Mortgage is suitable for early hedging against rising interest rates and for fixing your costs in advance.

With the Forward Fixed-Rate Mortgage the interest rate can be fixed for up to three years in advance. In exchange a surcharge is included. This depends on the lead-in time and the duration of the mortgage. The most profitable option is to arrange a mortgage at a low interest rate when rates are expected to rise. Because your interest rate remains constant throughout the duration, you can budget accurately.

Features

Minimum amount

CHF 100,000 and possible only as first mortgage
Interest rate

fixed for the agreed duration

Contact our specialists so that, together, we can find the best possible terms for you.

Interest payment date every six months
Loan repayment according to contractual conditions agreed in each case
Termination

at any time subject to three months' notice; termination before the fixed-interest period expires is possible only against payment of an early repayment penalty charge.

 

Advantages

  • Early hedging against rising interest rates
  • Clarity in advance regarding the calculation basis

 

Restrictions

  • No chance of benefiting from decreases in interest rates
  • Termination mid-duration possible only against payment of an early repayment penalty charge
  • When interest rates are high, maturity can shorten, making new financing more expensive

Money Market Mortgage

The Money Market Mortgage is a medium- to long-term financing based on short-term interest rates.

With the Money Market Mortgage you can benefit from low and falling money market rates. Throughout the overall duration of 3 to 5 years a new interest rate can be set for each of the predefined interest periods (lasting 1, 3, 6 or 12 months). At the end of each interest period there is also a one-off option to switch to a Fixed-Rate Mortgage, the duration of which will conform to the remaining duration of the Money Market Mortgage (rounded up to the nearest year).

Features

Minimum amount CHF 100,000 and possible only as first mortgage
Interest rate

LIBOR* plus an agreed margin; throughout the overall duration (3 to 5 years) interest rates are set automatically

Interest payment dates on expiry of each fixed-interest period
Loan repayment

according to contractual conditions agreed in each case

Termination

at any time subject to three months' notice; termination before the fixed-interest period expires is possible only against payment of the corresponding penalty charge; no charge for switching to Fixed-Rate Mortgage, providing same duration (rounded up to the nearest year) is retained

* LIBOR (London Interbank Offered Rate) is the money market rate for loans from one bank to another on the London money market. It is set each day.

Advantages

  • Chance of benefiting from falling interest rates
  • High degree of flexibility since, throughout the overall duration, there is an option to switch to a Fixed-Rate Mortgage free of charge

 

Restrictions

  • For the agreed overall duration (3 to 5 years) no repayments are possible.
  • Not possible to hedge against rising interest rates

Variable Mortgage

Our Variable Mortgage is the classic way to finance any home purchase or construction project. It is suitable if you expect interest rates to fall or wish to remain flexible regarding mortgage repayments.

The Variable Mortgage is the classic property financing vehicle. The interest rate changes in line with movements on the money and capital markets. When they fall, so does the interest rate on your mortgage. If taken out when interest rates are high, a Variable Mortgage can lead to savings over the medium to long term.

Features

Interest rate variable (subdivision into 1st and 2nd mortgages with differing interest rates)
Interest payment date every six months
Loan repayment

customised repayment conditions, but 2nd mortgages must involve repayments

Termination

at any time subject to three months' notice

 

Advantages

  • Chance of benefiting directly from falling interest rates
  • Flexible repayment conditions can be agreed
  • Switch to a different VP Bank mortgage product possible at any time

 

Restrictions

  • No hedging against rising interest rates

Mortgage calculator

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Property location
200000
CHF
A prerequisite for obtaining a mortgage is that a minimum percentage of the lending value must be provided by the borrower with their own capital, and that this must not be taken from occupational-pension assets (early withdrawal or pledge of pension assets). This amount must be at least 20% of the property’s value.
0
CHF
Gross salary net of statutory social-security deductions.
30000
CHF

Result

Affordability
The mortgage will be affordable for you over the long term. Our experts will be happy to assist you with the next steps.
The mortgage will be a major financial burden. We recommend that you meet our experts for an in-depth review of the financing options available.
Net income required
CHF
This is an imputed notional payment.
Monthly payment
CHF

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