Swiss Mortgage Calculator
Calculate mortgage payments with CHF/EUR support and Swiss market rates
Calculators on this site provide estimates for general informational purposes only. They are not financial, investment, tax, or legal advice. Consult a qualified professional before making any decision.
How to use Swiss Mortgage Calculator
- 1Enter the property price, down payment and the Swiss reference or SARON-based rate.
- 2Enter the term and any amortization requirements (typically to 2/3 of value).
- 3Read the monthly installment, total interest and remaining debt schedule.
Swiss mortgage calculation
annualInterest = rate × debt; amortize to ≤ 2/3 of property value per rulesSwiss mortgages commonly use a reference rate (historically SARON or formerly Libor) plus a bank margin to set the interest.
Borrowers must amortize the portion above two-thirds of the property value within about 15 years, which drives the required payment.
Frequently asked questions
What reference rate is used in Switzerland?
Most new loans use SARON plus a margin; older ones may still reference a fixed or Libor-based rate.
Why the two-thirds rule?
Swiss regulation requires amortizing debt above 2/3 of value to limit loan-to-value risk.
Fixed or variable rate?
Borrowers choose between fixed (predictable) and variable (tracks reference rate) structures.