What is your specific question?
I’ve seen some news in 2022 that Migros Bank had a mortgage option where you would only need to put down 10% of the house price and the other 10% would be some sort of repayable loan over 5-10 years…
But then I have not seen any specific example of people that actually used it.
Even if you think that “if you don’t have the 20% then don’t buy” - it can be financially interesting considering the situation
You mean Cactous by Migros Bank. The last news I have is that this was not approved by an authority.
But there are other investors, which are offering such a set-up.
Nevertheless, you can set up the purchase contract in that way, that you pay 10% and the remaining amount is flowing to the seller as a rent. So, no need for a special institution who is probably going to rip you off with the interest rates because of “higher risks”.
Fascinating discussion here.
My question: did anyone use valuu.ch for their mortgage? It seems quite attractive, unless I am mistaken.
For example, today, I check the SARON rate at the SNB website and I see that it’s 1.42%.
When I look up valuu’s SARON rates, it says “from 1.72%”, so is their margin really only 30 basis points, or are those rates not really available?
Challenge them 
I bet CHF 10’000 you do not get 0.30% margin. If you are willing to transfer a substantial amount of net new assets having a fantastic starting position, you won’t be below 0.50%.
If you have something for 0.60%, take the offer.
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Yes, I used them for my mortgage. I did not get the advertised rate, but a good offer (0.65% for 5 years, ~2 years ago). However, this offer was also available over the website of the provider. I chose them because they had a promotion with a 3,000 Fr. cash bonus on top, which was nice.
I used it earlier this year but never launched the final step. It’s a really useful tool for following the market on a day-to-day basis and a great way to know what rates to expect. You may test different collateral/amortization scenarios and get instant feedback, or perhaps use those data as a reference for negotiating with your preferred bank or partner.
As for the offers, some were highly competitive. Their partner “Caisse de pension de la poste (Post Pensionkasse?)” had the best overall conditions in the 2-5 years range.
However, it’s important to note that offers displayed on Valuu are not 100% guaranteed deals. Your selected financial institution will review your file and might refuse or amend their proposal.
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I used it and the plateform is amazing. Very clear with instant offer. Best rates depend on your personnal conditions and the region you live. Some lenders does not operate in the whole country.
Signed 0.71% for 5 years in February 2022!
They have a referral program, i am happy to share 
pm me!
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Rates is binding. If you enter true data in their plateform there is no reason that they amend something.
These are real rates, but you have to be in the good region where the lender with 1.71% saron is lending.
While I agree that you are way more likely to get the displayed rates on Valuu than on any other comparison site such as moneyland or comparis, there is no guarantee.
- The FAQ says that the lender is free to refuse your file for any reason, not limited to incorrect data.
- Their advisor explicitly told me that lenders can ask you for additional collateral or make a counter proposal
- User reviews seem to confirm that success rate isn’t 100%
A 0.30% margin seems extremely low. I would ask them to confirm that their rates are based on the overnight Saron value, not some of the other n-months compound values.
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If you do find out it’s as true offer, I’d be super interested but it’s too good to be true.
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Unless he is not an institutional client or the provider stupid as hell (it doesn’t even cover the costs), he won’t get a 0.3% margin.
One of the banks I worked for was doing 0.2% saron margin for their employees and the best I saw was 0.4 otherwise so 0.3 is a really good rate if you can get it ^^.
what does the gremium expect for SARON in the next 3-4 years?
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Valuu is now showing a 1.61% saron rate
I will try to see which lender is offering that rate by simulating a case on the plateform.
Guys, don‘t get yourself fooled.
They are 2 ways for marketing the Saron mortgage. Either by basing it on the current Saron rate (1.42%) or on the current 3 month compounded Saron rate (0.96%).
Valuu is obviously doing the 2nd. So their 1.62% is basically an offer for a 0.66% margin. Key4 shows 2.01% which is a 0.59% margin.
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Valuu is showing 2.01% in many other region which should correspond to key4 ubs offer.
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Thanks Cortana. I like that Key4 is very clear about SARON on their webpage:
SARON is valid for the interest period from the current day until the following morning. To avoid having to pay interest every day, key4 offers interest periods of three months. To determine the interest rate for the relevant period, SIX offers the reference interest rate “SARON Compound.” This is calculated from the average of daily compounded SARON interest rates, to which an agreed margin is added. This means that the interest payment amount is determined at the end of the interest period rather than at the beginning.
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Summary: got a 0.46% SARON margin recently.
Just wanted to share my recent experience: I had to renew my fixed-rate mortgage, and the previous Bank did not want to offer a good SARON margin (was not able to negotiate it below 0.6% even with forwarding better offers to them). The mortgage is for a flat near Zurich, and the mortgage amount is below 60% of the current market value. From Swissquote (LUKB behind that offer), I got a 0.55% margin offer. I have also tried with the platform “hypotheke.ch”, and was able to get an offer with a 0.46% margin, which I then accepted. In the past, I have also used other platforms like Hypoplus, but their offers were never better than the ones I was able to negotiate with the banks directly. I was really positively surprised by the offering of hypotheke.ch (have found them with some Google search, never heard of them before). Looks like they invest more into the technology than in just selling you anything. The rate displayed on the very first step was also the rate which I finally got in the bank contract. At the end, they even share a part of their kickback in case the bank is paying more than their “platform fees” - which was the case for the bank I accepted the offer.
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