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Real estate financing

To ensure your vision becomes reality

 
Build on a solid foundation, not only when it comes to your own four walls but also in regard to your real estate financing.

With our comprehensive range of real estate financing products, you can easily make your dream of owning your own home come true. We are one of the leading lenders in Liechtenstein and the region of Eastern Switzerland, and our experienced specialists will actively support you in determining the best financing option for your new construction, alteration of a property or real estate acquisition. Our assistance also includes optimally matching the terms and interest charges to your asset situation. Use our mortgage calculator to easily determine the affordability of your dream real estate.

Our real estate financing offers at a glance

Mortgage calculator

Do you dream of owning your own home, and would like to know whether your financial means are sufficient? With our mortgage calculator, you can determine the affordability of your future real estate and the monthly charges in just a few steps. It’s quick, easy and uncomplicated.

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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

Our real estate financing offers in detail

Fixed-rate mortgage

A fixed-rate mortgage is suitable for you if you want to plan your interest costs for real estate financing over the long term and expect interest rates to rise.

This is because the interest rate remains unchanged throughout the entire term with a fixed-rate mortgage, which is based on the market conditions at the time the mortgage is concluded. For you, the fixed interest rate means expenses that are easier to budget for, because your charge always remains the same.

Characteristics

Minimum amount

CHF 100,000, only possible as a first mortgage

Interest rate

Fixed

Interest date

Semi-annually

Amortisation

Individual, depending on contractual agreement

Cancellation

Not possible during term

Advantages
  • Constant interest charges even when the interest rate rises
  • Opportunity to benefit from lower interest rates over the long term
  • Precise planning
  • Can be combined with other products
  • Custom combination of several fixed-rate mortgages with different terms possible
Restrictions
  • No opportunity to benefit from a reduction in the interest rate level during the term
  • No cancellation or partial repayment possible during the term
  • Maturity may occur in a period of high interest rates, making refinancing more expensive

Forward fixed-rate mortgage

A forward fixed-rate mortgage is suitable if you want to hedge against rising interest rates at an early stage and lock in your interest costs in advance.

With a forward fixed-rate mortgage, the interest rate can be fixed up to three years in advance. This is subject to a surcharge that depends on the lead time and the term of the mortgage. The most profitable arrangement is to close at a low interest rate level when rising interest rates are expected. Since the interest rate remains constant over the entire term, you can precisely plan your budget.

Characteristics

Minimum amount

CHF 100,000, only possible as a first mortgage

Interest rate

Fixed for the agreed term

Interest date

Semi-annually

Amortisation

Individual, depending on contractual agreement

Cancellation

Not possible during term

Advantages
  • Costs remain the same even if interest rates rise
  • Opportunity to benefit in advance from lower interest rates over the long term
  • Charges that can be clearly planned
  • Can be combined with other products
Restrictions
  • No opportunity to benefit from a reduction in the interest rate level
  • No cancellation or partial repayment possible during the term

Money market mortgage

A money market mortgage is a form of medium- to long-term real estate financing that is based on short-term interest rates.

With a money market mortgage, you can benefit from low or falling money market interest rates. However, such a mortgage requires a corresponding risk tolerance and risk capability. Within the framework of the twelve-month term, the interest rate can be redefined in fixed periods (three-month intervals). At the end of such a period, you can also make a one-time switch to a fixed-rate mortgage.

Characteristics

Minimum amount

CHF 100,000

Interest rate

SARON* plus an agreed margin for the entire term

Interest date

Semi-annually

Amortisation

Individual, depending on contractual agreement

Cancellation

Not possible during term

*The Swiss Average Rate Overnight (SARON) is based on market transactions as well as binding rates in the CHF money market. It is calculated and published by SIX Swiss Exchange AG on a daily basis.

Advantages
  • Opportunity to benefit from falling money market interest rates
  • High flexibility with the option of switching to a fixed-rate mortgage free of charge during the framework term
Restrictions
  • Repayment not possible during the agreed term
  • Hedging of interest rates in the upward direction not possible

Contact us

Contact us simply by telephone or by using the contact form.
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