Fixed-rate mortgage
A fixed-rate mortgage guarantees the stability of your property loan by covering you against rises in market rates. This property loan enables you to acquire a property and benefit from the same rate throughout the whole mortgage period.
The essentials
Discover a stable property loan
A fixed rate is advantageous if the general level of interest rates is low or if you fear that there might be a general rise in market rates. A fixed-rate mortgage provides you with stability for your property budget by protecting you against market rate rises.
A loan for all projects
In the case of a renewal or of a mortgage being taken on from the competition, the BCGE lends up to 80% of the value of the property (calculated on the value of the collateral estimated by the bank). The whole of the mortgage is set up on the basis of one single rate.
Further information
Minimum amount
CHF 100,000
Term of the fixed rate contract
2 to 15 years
Rates
Fixed (set for the term of the contract). For current rates, please ask your adviser.
Repayment
The annual charge resulting from granting a mortgage loan comprises:
- interest on the loan
- repayment of the capital borrowed