We offer flexible mortgages to fit your needs
You can choose from our customised financing options to implement your real estate projects. Whether a functional new building, renovations according to your needs, or property financing: You will always benefit from attractive conditions.
We attach special importance to your real estate financing needs. We offer individualised mortgage models for real estate in Liechtenstein and Switzerland.
Our wide range of mortgage models is based on interest rates that are either variable or fixed for a specific time period. We employ both models to your advantage. For flexible solutions, we combine different models.
With this solution, you pay your equity into a building loan account, which is used to pay current invoices. Each quarter, we charge the contractually agreed interest rate and commissions on the effectively used loan amount. Once the building construction has been successfully completed and all invoices have been paid, we convert the building loan into a mortgage of your choice.
This mortgage model relies on a variable interest rate adjusted to the current market situation. Interest payments are made every half-year. This model offers you several advantages. In addition to an unlimited duration, you can always switch to a different model. You also benefit immediately from any reductions in the mortgage interest rate, and you have the option to repay the mortgage flexibly throughout the term of the mortgage.
This mortgage is based on a fixed interest rate for the entire term of the mortgage, which may be between two and ten years. The minimum amount is CHF 100'000. Interest payments are made every half-year. The advantage for you is the consistent calculation of payments because there are no interest rate fluctuations.
Money Market mortgage
The interest rate on the Money Market mortgage is calculated using the LIBOR and adjusted every one, three or six months during the fixed term. If you are looking for a mortgage that offers stable or falling interest rates and are able to accept short-term volatility, this is the ideal option for you. Thanks to the minimum amount of CHF 100'000.–, you can also use the advantages of the Money Market mortgage to amortise just part of your mortgage if necessary.
The LIBOR will be replaced with a new market interest rate as of 1 January 2022.
Money Market Flex mortgage
The interest rate on the Money Market Flex mortgage is calculated using the LIBOR. If you are looking for a mortgage that offers stable or falling interest rates but do not want to be tied to one particular product for the long term, this is the ideal solution for you. Unlike the Money Market mortgage, the Money Market Flex mortgage offers maximum flexibility when it comes to amortisation, extension and switching to another mortgage product. All these options are available to you once the term has expired. The term also represents the interest lock-in period on the mortgage, and both can be set at one, three or six months.
The LIBOR is expected to be replaced with a new market interest rate as of 1 January 2022.
- Financial security for your real estate projects
- Individually selectable mortgage model
- Calculation in advance for fixed interest rates
- Possible advantages with market interest rates
- Overview of complete costs and payments
Different advantages for each model
The selection of your mortgage depends on your real estate object and needs. You can always count on our competent advice.
The right mortgage
Transparency for you
Optimised interest payments
Take advantage of our wide range of loans
While mortgages are specifically intended for real estate projects, our other loan options likewise offer you plenty of leeway – whether you're interested in investments or have a short-term need for liquidity.
Obtain the right financing through us – as your partners
Come see us
Visit one of our branches. We look forward to giving you tailored advice.
Get in touch with us
Call us. We're happy to assist you by phone as well.