HYPOTHEKE.CH
Interest rate index for residential real estate
Our reflects interest rate trends for for permanently owner-occupied residential properties in Switzerland. More than 250,000 data points are incorporated into the index calculation each year. The common are weighted to reflect the Swiss mortgage market as accurately as possible over the long term.
Mortgage
A Mortgage is a loan for the purchase or construction of real estate in Switzerland, with the property serving as collateral. Mortgages can be arranged directly with a mortgage provider or through mortgage platforms. HYPOTHEKE.ch is the largest online mortgage platform. The main types of mortgages in Switzerland are as follows: Fixed-rate mortgage,SARON mortgage
A mortgage loan model describes the type of interest rate structure and term of a mortgage, such as Fixed-rate mortgage,SARON mortgage, or variable-rate mortgage. Transparent models make it easier to compare options and help you consciously manage interest rate risk and ensure planning certainty. Find more information here about mortgages with long terms: Fixed-rate mortgage with a 10-year term
Data exchange
Interest rate data for media professionals
Are you a journalist? The HYPOTHEKE.ch interest rate index for residential real estate is just a “small sample” from our We can support you with comprehensive analyses and a wealth of relevant data on the topic of Mortgages. Contact Florian Schubiger: 044 552 57 58
The mortgage interest rate database from HYPOTHEKE.ch is one of the most comprehensive sources of data on mortgage interest rates in Switzerland. Every day, interest rates from numerous banks, insurance companies, Pension funds, and other mortgage lenders are entered, processed, and archived. This allows users to analyze current mortgage interest rates, historical interest rate trends, and mortgage yield curves across various Terms. The interest rate database is regularly used by journalists, financial institutions, and market observers to thoroughly assess and document developments in the Swiss mortgage market.
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Compare mortgage rates
With our interest rate index, interested parties can get a good overview of the current . As the approaches, it is important to compare specific lender interest rates because the differences between individual are often significantly greater than many homeowners assume. Banks, and assess risks differently and therefore sometimes offer significantly different interest rates for the same Mortgage.
A mortgage lender provides capital for a Mortgage. In Switzerland, these are primarily banks, insurance companies, Pension funds, and investment foundations, whose offers can vary significantly in terms of interest rates, terms, and eligibility criteria. HYPOTHEKE.ch works with all major Swiss mortgage lenders.
A mortgage from an investment foundation is a real estate financing product provided by an investment foundation. Investment foundations invest pension fund assets in mortgages, among other things, and often offer attractive mortgage rates as well as long-term financing solutions. Because they typically do not have their own sales teams, mortgages from investment foundations can often only be arranged through mortgage platforms. HYPOTHEKE.ch collaborates with several investment foundations and even applies for sales exclusively for some of them.
Parameters
Analysis of the difference in interest rates
Over the past
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This has increased the annual costs for a Mortgage from
CHF by
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Frequently Asked Questions
Answers about our interest rate index
The HYPOTHEKE.ch interest rate index for residential real estate collects data hourly from more than 500 Depending on the Mortgage loan model, interest rates from more than 50 providers are included in the index. Annually, more than 250,000 data points are incorporated into the calculation of the index. Historically, the data is saved once a day.
All providers in the index are equally weighted; the outstanding mortgage volume has no influence on the weighting. The common mortgage loan models are weighted in such a way that they reflect the mortgage market as accurately as possible over the long term. The composition will not be changed over time—unless absolutely necessary. This is to ensure that a historical analysis of financing costs can be conducted as accurately as possible.
The index reflects general interest rate trends for residential real estate in Switzerland.
You can find a comparison of mortgage rates here: Compare mortgages from many providers
Compare mortgage rates
When comparing mortgage rates, the interest rates and terms of various banks, insurance companies, and Pension funds are compared. Since mortgage offers can vary significantly depending on the provider and your personal situation, a comprehensive comparison is particularly important. Online mortgage platforms provide transparency and help you find suitable Mortgages with the best interest rates.
Much depends on the financing costs of home ownership. It is therefore crucial to keep an eye on these costs. Changes in financing costs affect real estate prices, consumer behavior, rents, and many other factors. An index provides a transparent overview of these costs and enables historical tracking. Current data can be compared with past data, and trends can be monitored on an ongoing basis.
Yes. The Mortgage Index aims to reflect the residential mortgage market as accurately as possible. That is why the interest rates for are also included in the index. Prior to the introduction of the SARON mortgage, data from the Libor mortgage was included in the index.
The index is based on mortgage interest rates for owner-occupied residential property in Switzerland. The Mortgage Index is therefore primarily relevant for analyzing the financing costs of Swiss residential property. However, because interest rates for investment and commercial properties follow similar trends, other mortgage and financing costs can also be analyzed in a historical comparison.
For closed mortgages, these are which vary depending on the property and the borrower’s creditworthiness and are not publicly disclosed. Depending on the type of transaction, the mortgage lender’s margin may vary, which could distort the index in the short term. The index therefore includes the from more than 50 providers. The index serves as an excellent benchmark and historical measurement tool. However, the negotiated interest rates may be lower or higher.
You can find out your personal mortgage interest rate right here
Negotiating Mortgage Interest Rates
Most mortgage interest rates are negotiable. The extent of your leverage depends on your creditworthiness, the loan-to-value ratio, your ability to afford the payments, and, above all, the alternatives you can present to the mortgage lender. If you obtain several comparable offers from banks, insurance companies, or Pension funds, you’ll significantly improve your negotiating position. Do you want to secure the best Mortgage without tedious negotiations? Use our Mortgage platform to do so. App.mortgage.ch
Reference rates are the mortgage rates published (mostly) online by mortgage providers. For many providers, these rates are significantly higher than actual market rates because many providers want to leave room for negotiation. Those who take out a mortgage based on these indicative rates often end up paying significantly more than necessary. To see where the truly good rates are, get an overview of Switzerland’s largest mortgage rate comparison.
The HYPOTHEKE.ch interest rate index for residential real estate is updated hourly, providing a very up-to-date picture of interest rates for owner-occupied Swiss properties. Historical data is saved once a day.
Legal Information
Copyright, Intellectual Property Rights, and Imprint
Data and graphics from the HYPOTHEKE.ch Residential Mortgage Rate Index may be used freely, provided they are not retrieved or reused automatically and only at irregular intervals. Data from the CSV export may also be used to create custom graphics, provided the data and its meaning are not distorted. Republishing (on websites, social media, in editorial articles, etc.) is expressly permitted. In all cases, the following source must be cited: HYPOTHEKE.CH Interest Rate Index for Residential Real Estate. We would appreciate a link to www.hypotheke.ch on websites, PDF files, and other online or social media platforms.
The HYPOTHEKE.ch interest rate index for residential real estate is provided by GTF Gesellschaft für technologiebasierte Finanzdienstleistungen AG. The index reflects the financing costs for homeownership in Switzerland. The index incorporates the benchmark rates of most Mortgage lenders and various Mortgage loan models in Switzerland. Well over 500 data points are entered and displayed each day. The index includes interest rates from banks, insurance companies, and Pension funds, and online mortgages are also included. All providers are weighted equally in the index. The index is updated hourly.
Disclaimer
HYPOTHEKE.CH expressly disclaims any and all liability for losses and damages of any kind—whether indirect, direct, or consequential—that may arise from the use of the HYPOTHEKE.CH interest rate index for residential real estate. The information provided does not constitute a recommendation to buy or sell investment instruments, to engage in other transactions, or to enter into any legal transaction. The future performance of investment assets or the future interest rates of individual providers or interest rates in general cannot be derived from the price, interest rate, or index trends shown or other representations. Interest rates and securities yields may change at any time. Our Terms of Use also apply.
You can find interest rate trends for various Mortgage loan models and providers here: Compare mortgage rates
Calculation of provider interest rates included in the index
The interest rates shown are indicative reference rates for residential property. The reference rates are updated hourly and archived once daily for historical comparisons and index calculations. All information is non-binding and provided without guarantee. Certain reference values included in the index apply only up to a certain loan-to-value ratio, which may vary depending on the provider. If a provider specifies an interest rate range, the lowest interest rate is included in the index. If interest rates can be calculated individually online on a provider’s website or if the interest rate varies depending on the mortgage amount, the following assumptions apply: Mortgage amount / total mortgage: CHF 500,000, tranche for replacement: CHF 500,000, appraised value / Market value of the property: CHF 800,000, total gross income: CHF 100,000. If a provider has different interest rates for new business and its "existing portfolio," the interest rate for new business is included in the index. If different interest rates apply to Saron mortgages depending on the term of the framework agreement, a three-year term is used in the interest rate comparison. For online mortgages, the approval criteria can be significantly stricter than for conventional mortgages. Offers that are valid only for a limited time, for new customers, a specific group of people, special types of buildings (e.g., eco-friendly buildings), or subject to other conditions are not included in the index. Interest rates from mortgage brokers or intermediaries are not included in the index—only the interest rates of actual mortgage lenders/final contracting parties are included in the mortgage index. Errors excepted.
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