Bank BSU mortgage rates

Term
2 to 10 years

Amount
Minimum amount CHF 100,000

Amortization

• Direct and/or indirect via pillar 3a

• Up to 66% of the market value required

Termination

• Early repayment charge applies if you terminate before the end of the term

• Notice period: 3 months before the end of the term

Information

• Mortgage rate fixed for the entire term

• A fixed rate protects you from mortgage rate increases

• No forward surcharge for mortgages taken out up to 12 months in advance

• Interest paid quarterly

Term
No fixed term

Amount
No minimum amount

Amortization

• Direct and/or indirect via pillar 3a

• Up to 66% of the market value required

Termination
At any time provided three months’ notice is given before the end of an interest period

Information

• If rates drop, you benefit quicker than with other types of mortgage

• Flexible repayment options

• Possibility of switching to a different mortgage type at any time, provided three months’ notice is given before the end of an interest period

Term

2/3/4/5 years

Amount

Minimum amount CHF 100,000

Amortization

• Direct and/or indirect via pillar 3a

• Up to 66% of the market value required

Termination

• Early repayment charge applies if you terminate before the end of the term

• Notice period 3 months before the end of an interest period (before the end of the term)

Information

• If rates drop, you benefit quicker than with other types of mortgage

• The mortgage rate is transparent and reflects market rates (SARON 3 months Compound)

• Possibility of switching to a different mortgage type at any time provided three months’ notice is given before the end of an interest period (end of quarter)

Term
10 years

Amount

• Minimum amount CHF 100,000

• Maximum amount CHF 750,000

Amortization

• Direct and/or indirect via pillar 3a

• Up to 66% of the market value required

Termination

• Early repayment charge applies if you terminate before the end of the term

• Notice period: 3 months before the end of the term

Information

• The mortgage is interest-free for one year (0%)

• For families or single parents with at least one minor child living at the mortgaged property

• For new mortgages only

• Mortgage rate fixed for the entire term

• Constant, predictable interest costs throughout the term

• A fixed rate protects you from mortgage rate increases

• No forward surcharge for mortgages taken out up to 12 months in advance

• Interest paid quarterly

Term
2 to 10 years

Amount

• Minimum amount CHF 100,000

• Maximum amount CHF 750,000

Amortization

• Direct and/or indirect via pillar 3a

• Up to 66% of the market value required

Termination

• Early repayment charge applies if you terminate before the end of the term

• Notice period: 3 months before the end of the term

Information

• For new and existing buildings (owner-occupied property only) with high energy efficiency and a sustainable design

• Mortgage rate discount of 0.30% on the official rates published by Bank BSU

• Also available to borrowers extending an existing mortgage

• Costs for the preparation of the GEAK or Minergie certificate are reimbursed by BSU bank up to a maximum of CHF 1,000 when you submit an invoice

• Mortgage rate fixed for the entire term

• Constant, predictable interest costs throughout the term

• A fixed rate protects you from mortgage rate increases

• No forward surcharge for mortgages taken out up to 12 months in advance

• Interest paid quarterly