Swiss Mortgage Rates

It's an interest rate that can change over time, depending on the evolution of the market. You pay less when rates fall, but you take the risk that they may rise.

It's a rate locked in for a fixed period (1 to 15 years). You know exactly how much you'll pay over that period, with no surprises.

It depends. A fixed rate offers stability and protection against rising rates, but can be higher. Variable rates are often lower at the outset, but entail greater risk.

The longer the term, the higher the rate. Choose according to your ability to bear a higher rate and your financial strategy (e.g. whether or not to stay in the house for a long time).

They depend on economic conditions, monetary policy and the risk perceived by banks. Nothing is set in stone.

It's usually complicated and costly, but possible. There is often a penalty for early termination.

Compare bank and insurance offers, take into account ancillary costs, and don't rely solely on the nominal rate.