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    Plan your happy home

Mortgages that adjust to your needs

With our different mortgage models, you can realise your dream of owning your own home or buying the property you've always longed for. Regardless of what you decide – our focus is always on your needs, and we are the partner at your side.

Depending on your goals and needs, we can offer you a wide variety of solutions. And no matter how diverse the mortgage models are, they all have one thing in common: They are based on interest rates that are either variable or fixed for a certain period of time. We use both to your advantage and combine different models for flexible solutions.

Variable mortgage – stay on track

The interest rate is variable and adapts to the market situation. If interest rates fall, you benefit – if interest rates rise, your monthly housing costs will also increase. Whether you are about to sell your property or whether you want to wait and see how the interest rate develops, this model is a good fit for you.

If the variable mortgage no longer meets your requirements, you can switch to another model at any time. We're happy to advise you on your options.

Fixed-rate mortgage – for long-term planning

The interest rate does not change, giving you the option of precisely budgeting the financial burden. Profit from reliable planning of your expenses. The term of this model is always between two and ten years. Interest is calculated every six months, so you always know when costs are due.

Libor mortgage – adapt to market-based interest rates

This mortgage is suitable for clients who expect interest rates to remain constant or fall, but who can accept short-term fluctuations. The interest rate is adjusted every 3-6 months and is based on the Libor rate, which is determined before the beginning of each fixed interest period.

Ecological and renovation mortgage – your project in Liechtenstein

Would you like to invest – in new buildings with the Minergie rating, passive houses, or comparable alternative energy standards? Then our ecological and renovation mortgage is especially worthwhile for you. You benefit from flexible contract components and from our preferential conditions – also for renovations and conversions of Minergie-certified buildings. The term of the mortgage is five years and is then continued as a variable mortgage.

Your benefits

  • Financing options tailored to your personal situation
  • Forward-looking and reliable liquidity planning throughout the entire construction phase and after completion
  • Free financial and pension planning with our advisors
  • Combination of your mortgage with TRIA financial and pension planning products