Buying a home in Switzerland: mortgage rates and costs
What a mortgage typically costs in Switzerland right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
1.6% – 2.4%
10-year fixed. SARON-based mortgages are an alternative for borrowers comfortable with floating rates.
As of 2025-11-28. Source
Example monthly payment in Switzerland
| Purchase price | CHF 900,000 |
|---|---|
| Deposit (20%) | CHF 180,000 |
| Loan amount | CHF 720,000 |
| Interest rate | 2% · 25-year term |
| Estimated monthly payment | CHF 3,052 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.