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Switzerland Published Loan Rates

Affordability stressed at a theoretical ~5% rate. Many mortgages are interest-only with a second-mortgage amortizing portion.

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Lowest Published APR

1.60%

Best rate benchmark currently on record

Market Average APR

3.08%

Mean across tracked lending products

Available Products

6 Benchmarks

Fixed, variable & personal credit

Statutory System

Two-tier mortgage (1st tranche to 67%, 2nd to 80%)

Verified statutory framework

Switzerland Rate Directory

Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.

Lender / Benchmark	Category	Term	Rate (APR)	Type	Effective Date	Calculate
Market average ⚡ Live Example market snapshot. Verify current offers before making a decision.	🏠 Mortgage	15 Years (180 mo)	1.60%	fixed	2026-09-06T00:00:00Z	Calculate →
Market average ⚡ Live Example market snapshot. Verify current offers before making a decision.	🏠 Mortgage	25 Years (300 mo)	1.75%	fixed	2026-09-06T00:00:00Z	Calculate →
Market average ⚡ Live Example market snapshot. Verify current offers before making a decision.	👤 Personal Loan	5 Years (60 mo)	5.90%	fixed	2026-09-06T00:00:00Z	Calculate →
Switzerland 10-Jahre Festhypothek Richtsatz	🏠 Mortgage	25 Years (300 mo)	1.75%	fixed	Active Benchmark	Calculate →
Switzerland 5-Jahre Festhypothek Richtsatz	🏠 Mortgage	15 Years (180 mo)	1.60%	fixed	Active Benchmark	Calculate →
Switzerland Privatkredit Durchschnitt	👤 Personal Loan	5 Years (60 mo)	5.90%	fixed	Active Benchmark	Calculate →

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Statutory Borrowing Rule

FINMA stress test at theoretical 5% interest + 1% maintenance + 2nd mortgage amortization

Mortgage System

Two-tier mortgage (1st tranche to 67%, 2nd to 80%)

Default Insurance / Guarantee

Standard lender risk provisions apply.

Regulatory Reference