Investors in Property Logo Investors in Property Logo

Swiss Buyers' Info

  • Switzerland
  • France
  • Austria

How much will a Swiss bank charge and what are the interest rates?

Swiss banks do not usually charge a setup fee or require any life insurance. The costs for registering the mortgage varies from one canton to another. In Canton Vaud (Villars) it is 0.5% and in in Valais (Verbier, Grimentz, Saas Fee) it is 0.8% of the amount borrowed.

Interest is payable every quarter on the capital balance outstanding over that period. The repayments will therefore be higher in the earlier years but will reduce as the capital is repaid.

Swiss interest rates have always been the lowest rates in Europe at around 1% variable rate or fixed at 1.5% for long term. They have risen recently in 2022 as a result of world events.

Swiss banks like to meet their customers in person, so if you are viewing properties, please ask us to introduce you to a local bank.  

Information correct as of 1st January 2024. This may change as rules and regulations change often, so please contact us directly if you have any specific enquiries.