St. Galler Kantonalbank mortgage rates

Term
2 to 10 years

Amount
Minimum amount CHF 100,000

Amortization

• Possible if agreed in the contract

• Indirect amortization also possible via “Sparen 3” account

Termination
Not possible during the fixed term

Information

• Mortgage rate fixed for the entire term

• Facilitates precise budget planning

• If mortgage rates rise, payments remain the same

• If mortgage rates drop, payments remain the same

Term
Agreed mortgage term of 3, 4 or 5 years

Amount
CHF 200,000

Amortization

• Possible if agreed in the contract

• Indirect amortization also possible via “Sparen 3” account

Termination
Non-cancellable during the fixed term

Information

• The standard interest rate is calculated and fixed 5 days before the interest payment date based on the Saron rate

• Interest rate fixed for 3 months

• If mortgage rates drop, payments also go down

• High level of transparency

• Flexible thanks to option of switching to a fixed-rate mortgage

Term
No fixed term

Amount
No minimum amount

Amortization

• Depends on the type of financing

• Indirect amortization also possible via “Sparen 3” account

Termination
Possible at any time with six months' notice

Information

• If mortgage rates drop, payments also go down

• Possible to switch to a different mortgage type at any time

• Mortgage rate is regularly adjusted to reflect market conditions

Term
Discount for 5 years on the mortgage rate of the chosen mortgage type (variable-rate, fixed-rate, money market)

Amount
CHF 200,000

Amortization
Depending on the mortgage model chosen

Termination
Depending on the mortgage model chosen

Information

• Interest bonus of 0.5% on max. CHF 200,000

• Requirements: families with a child under the age of 18 in an owner-occupied property (single-family home, condominium)

• The family discount can only be claimed once and cannot be cumulated with other discounts

Term
Discount for 5 years on the mortgage rate of the chosen mortgage type (variable-rate, fixed-rate, money market)

Amount
CHF 200,000

Amortization
Depending on the chosen mortgage model

Termination
Depending on the chosen mortgage model

Information

• Interest bonus of 0.5% on max. CHF 200,000

• Requirements: owner-occupied residential property and proof of Minergie certification

• The Minergie discount can only be claimed once and cannot be cumulated with other discounts

Term
Discount for 2 years on the interest rate of the variable-rate mortgage

Amount

• Single-family house: minimum amount CHF 20,000, maximum amount CHF 100,000

• Multi-family house: minimum amount CHF 100,000, maximum amount CHF 200,000

Amortization

• Depends on the type of financing

• Indirect amortization also possible via “Sparen 3” account

Termination
Possible at any time with six months' notice.

Information

• Interest bonus of 1.00% on the standard interest rate of the variable-rate mortgage

• Loan amount must be spent on renovations, conversions, and energy-saving and environmental protection measures