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Swiss Buyers' Info

  • France
  • Switzerland
  • Austria

Property Types in Switzerland

How much will the 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 are the cheapest in Europe – they are currently around 1% variable rate or fixed at 1.5% for long term.