SARON mortgage loan

SARON mortgage loan

The SARON mortgage loan offers you greater flexibility, as you can adjust the terms of your mortgage every 3 months or even repay the mortgage.

High-quality support in carrying out your acquisition project
Very high flexibility and risk optimisation
Transparent interest rates based on real transactions and published daily
Interest bonus on your savings thanks to the Avantage service® loyalty programme

The essentials

High-quality support throughout your project

Are you planning to build, buy or renovate a property? Are you already a homeowner and looking for the financing options best suited to your situation? We offer simple, competitive and flexible mortgage solutions to suit your needs.
Buying a property requires competent advice, high-quality support and an in-depth dialogue with an expert. Talk to your BCGE adviser.


SARON mortgage loan: a flexible mortgage for maximum optimisation of your loan 

BCGE's SARON mortgage loan allows you to benefit from transparent and low interest rates. It is based on the SARON (Swiss Average Rate Overnight) overnight interest rate. It reflects the conditions of daily transactions in the secured CHF money market.

The compounded SARON serves as the reference for the calculation of interest rates.


You can react very quickly if interest rates move upwards by simply telling your adviser to convert your SARON mortgage loan into a fixed-rate mortgage loan at the beginning of the next calendar quarter at the interest rate on the day of your request. You will thus optimise the interest rate risk by spreading your loan over a short-term rate (SARON rate) and a medium or long-term rate (fixed rates from 2 to 15 years).


Interesting tax deductions

The interest payments on the loan can be deducted from your annual income and the capital borrowed can be deducted from your personal assets.


Avantage service® loyalty programme

Your mortgage loan can earn you interest bonuses on your BCGE Epargne account thanks to the Avantage service® loyalty programme.

A free weather station!

When you take out a mortgage loan, BCGE offers you a weather station for your future home. Thanks to this high-quality product, the weather will no longer hold any surprises for you.


For more information


To finance all types of real estate


Interest rate

Variable rate


Reference interest rate

Based on the compounded SARON®


Notification of interest rate

Two days before the end of the period (quarterly)




Minimum amount

CHF 100,000


Type of amortisation

Direct or indirect


Ordinary termination or extraordinary amortisation

1 month's notice for the end of the period (quarterly)


Conversion to fixed rate

Possible with 15 days notice before the quarterly due date, fixed 2 days before the due date. Free of charge


SARON calculator

The calculator provides the compounded interest rate based on SARON for all date combinations of the last 12 months (including non-business days), by calculating the daily SARON rates for the selected period: SARON calculator - Six


Optional services

  • Direct or indirect amortisation (Epargne 3 account or combined life insurance)
  • Possible to include pure risk coverage (death/disability) with Swisscanto Safe insurance

The end of LIBOR and the introduction of SARON