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  • René Müller

Fixed-rate mortgage in Switzerland: Stability and security in real estate financing

The Fixed mortgage is an established and popular option for real estate financing in Switzerland. In this blog post we take a closer look at the Fixed mortgage, to understand why it is considered one of the most stable and safe options on the market.

What is a fixed-rate mortgage and how does it work in Switzerland?

In Switzerland, the Fixed mortgage stands for planning security and Stability. This mortgage option features a fixed interest rate over a predetermined period of time, meaning your monthly payments will remain constant during this time. This provides a clear financial structure and makes it an attractive choice for many borrowers.

Advantages of fixed-rate mortgages in Switzerland:

  1. Financial planning security: Probably the most important advantage is financial planning security. With a fixed interest rate, you can calculate precisely and know that your monthly payments will remain stable throughout the term.

  2. Long-term stability: In a market characterized by interest rate fluctuations, the fixed-rate mortgage offers long-term stability. This is particularly advantageous in times of rising interest rates.

Disadvantages of the fixed-rate mortgage:

  1. Initially higher interest rates: A possible disadvantage is that fixed-rate mortgages may initially have higher interest rates compared to variable-rate mortgages. This could result in higher monthly payments.

  2. Less flexibility: Compared to variable options, the fixed-rate mortgage offers less flexibility, especially when it comes to short-term interest rate reductions.

Who is a fixed-rate mortgage suitable for in Switzerland?

  1. Risk-averse borrowers: If you are one of those who avoid risks and prefer clear financial plans, the fixed-rate mortgage is an ideal choice.

  2. Long-term financial planning: The Fixed mortgage< /u> is particularly suitable for those who value long-term financial planning and prefer stable monthly payments.


In a market characterized by uncertainty, the fixed-rate mortgage in Switzerland offers a firm and reliable basis for your real estate financing. By carefully weighing the pros and cons, you can make an informed decision that fits your individual needs. Stability and security are the key words when it comes to Fixed mortgage and these characteristics make it one of the preferred options in the Swiss real estate landscape.

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