# Adjustements to mortgages for investment properties (2020)
**URL:** https://forum.mustachianpost.com/t/adjustements-to-mortgages-for-investment-properties-2020/2459
**Category:** Real Estate
**Created:** [August 29, 2019, 6:22am UTC](https://forum.mustachianpost.com/t/adjustements-to-mortgages-for-investment-properties-2020/2459 "2019-08-29T06:22:41Z")
**Posts on this page:** 3
**Page:** 1
### Author:  [@Kaps](https://forum.mustachianpost.com/u/Kaps)
#### Post date: [August 29, 2019, 6:22am UTC](https://forum.mustachianpost.com/t/adjustements-to-mortgages-for-investment-properties-2020/2459/1 "2019-08-29T06:22:41Z")
Hi guys,
For those who haven’t read the news yet, as of 1 January 2020, FINMA will recognise the adjusted self-regulation by the Swiss Bankers Association in the area of mortgage lending for investment properties ([DE](https://www.swissbanking.org/library/richtlinien/richtlinien-betreffend-mindestanforderungen-bei-hypothekarfinanzierungen/sbvg_hypothekar_de_clean.pdf/@@download/file/SBVg_Hypothekar_DE_clean.pdf) / [FR](https://www.swissbanking.org/library/richtlinien/richtlinien-betreffend-mindestanforderungen-bei-hypothekarfinanzierungen/sbvg_hypothekar_fr_clean.pdf/@@download/file/SBVg_Hypothekar_FR_clean.pdf)) as a binding minimum standard.
As of 1 January 2020, new borrowers will be required :
- to provide a minimum down payment of at least a 25% of the loan-to-value ratio (vs the current 10%);
- to amortise the mortgage to two-thirds of the loan-to-value ratio of the property within a maximum of 10 years (currently 15 years).
Owner-occupied residential properties are **not** affected by the adjustments, nor the “buy-to-let segment”, ie “_apartments and single family houses owned by private individuals that are not occupied by the owners themselves, but are instead rented out_”. FINMA is however recommending that banks voluntarily also apply the stricter capital and amortisation requirements to loans for buy-to-let properties.
Source : [FINMA](https://www.finma.ch/en/news/2019/08/20190828-mm-selbstregulierung/)/[Le Temps](https://www.letemps.ch/economie/achats-dimmeubles-se-compliquent)
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### Author:  [@YukonJen](https://forum.mustachianpost.com/u/YukonJen)
#### Post date: [December 29, 2020, 10:58am UTC](https://forum.mustachianpost.com/t/adjustements-to-mortgages-for-investment-properties-2020/2459/2 "2020-12-29T10:58:25Z")
Hello. I’m looking for an investment property this year. I would like to know if there is a way to qualify for a loan for the downpayment. It’s not a second property or primary residence. But truely, a small MFU for rental (business) purposes.
Do you have any info or direction?
Thanks
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### Author:  [@MrCheese](https://forum.mustachianpost.com/u/MrCheese)
#### Post date: [December 29, 2020, 12:09pm UTC](https://forum.mustachianpost.com/t/adjustements-to-mortgages-for-investment-properties-2020/2459/3 "2020-12-29T12:09:21Z")
> [@YukonJen](#):
>
> way to qualify for a loan for the downpayment
Only way I could think of is when pledging other assets like stocks for a lombard loan. Best you talk to the bank where you want to get the mortgage from.