# Mortgage rates in Switzerland \[2024\] **URL:** \ **Category:** Real Estate\ **Created:** [February 5, 2024, 8:05am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943 "2024-02-05T08:05:19Z")\ **Posts on this page:** 20\ **Page:** 19
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 6, 2024, 4:31pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/386 "2024-12-06T16:31:15Z")
Look at it long-term, it’s like the stock market. There will be years which are painful, but in the end you’ll end up with more money. Historically (last 40 years) 5-10 years mortgages did cost you 1%/year more than having a variable mortgage (Saron these days). If your risk appetite allows it, you can stay with Saron long-term and it will (should) be worth it. ---
**Author:** ![Brndete](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/brndete/32/12723_2.png) [@Brndete](https://forum.mustachianpost.com/u/Brndete)\ **Post date:** [December 6, 2024, 4:45pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/387 "2024-12-06T16:45:48Z")
Fair enough, but that’s for short vs. long term in general. Several people seem to be set on fixed, and just wonder about the timing. What I’m trying to add is that this might go either way. It’s not a no brainer. If it were, it would already be reflected in the rates. ---
**Author:** ![PhilMongoose](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/philmongoose/32/12331_2.png) [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Post date:** [December 6, 2024, 6:12pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/389 "2024-12-06T18:12:24Z")
The decision is personal as it depends on risk tolerance, capacity to pay higher interest, positioning within the portfolio and timing. When I fixed my home mortgage, I had the choice of SARON+0.65% or 10 year fix at 0.75%. For me it was a no-brainer to take the fix. I recently took a 10 year fix on another property at 1.49%. Although interest rates are falling and I could potentially secure a lower rate by waiting for rates to fall, I really didn’t want to take the risk. Even if the trajectory is lower, there are always the unknown unknowns which can throw a spanner in the works. By fixing now, I also have my mortgages overlapping at 5 year intervals. In 3 years, I’ll start to look at whether it makes sense to fix the first mortgage when it comes up for renewal in 5 years time. ---
**Author:** ![Tony1337](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/tony1337/32/12327_2.png) [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)\ **Post date:** [December 6, 2024, 7:31pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/390 "2024-12-06T19:31:19Z")
> [@PhilMongoose](#): > > Even if the trajectory is lower, there are always the unknown unknowns which can throw a spanner in the works. Trump is such an unknown. Ho knows what all the tarriff stuff does to inflation. ---
**Author:** ![HoiZame](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/h/50afbb/32.png) [@HoiZame](https://forum.mustachianpost.com/u/HoiZame)\ **Post date:** [December 12, 2024, 8:25am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/391 "2024-12-12T08:25:59Z")
50 bp cut 🙂 ---
**Author:** ![gravel](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gravel/32/10676_2.png) [@gravel](https://forum.mustachianpost.com/u/gravel)\ **Post date:** [December 12, 2024, 8:59am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/392 "2024-12-12T08:59:13Z")
Nice Christmas gift. Thank you SNB I just wonder why theses cuts it has no upside effect on domestic mid cap stock? ---
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 12, 2024, 9:08am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/393 "2024-12-12T09:08:31Z")
No change in swap rates. ---
**Author:** ![skyw4lker](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/skyw4lker/32/12326_2.png) [@skyw4lker](https://forum.mustachianpost.com/u/skyw4lker)\ **Post date:** [December 12, 2024, 9:23am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/394 "2024-12-12T09:23:24Z")
…already priced in, I guess. ---
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 12, 2024, 9:40am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/395 "2024-12-12T09:40:45Z")
It was due anyway. Saron shouldn‘t be more expensive than fixed-rate mortgages. ---
**Author:** ![Abs\_max](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/abs_max/32/12379_2.png) [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)\ **Post date:** [December 12, 2024, 9:59am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/396 "2024-12-12T09:59:20Z")
The key question is when is the Mortgage reference rate changing? Time to prepare for rent reductions 🙂 ---
**Author:** ![Giff](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/giff/32/3256_2.png) [@Giff](https://forum.mustachianpost.com/u/Giff)\ **Post date:** [December 12, 2024, 10:33am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/397 "2024-12-12T10:33:52Z")
So the fixed rates won’t go down because of this change, right? ---
**Author:** ![Dom](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/d/aeb1de/32.png) [@Dom](https://forum.mustachianpost.com/u/Dom)\ **Post date:** [December 12, 2024, 10:36am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/398 "2024-12-12T10:36:36Z")
I think it will still go down slightly. For instance, VIAC are adjusting their rate every Thursday and today they updated the 5 years fixed rate to 1.06% (vs 1.18% last week) and the 10y to 1.23% (vs 1.36% last week), while the SWAP rate went up this week. ---
**Author:** ![gravel](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gravel/32/10676_2.png) [@gravel](https://forum.mustachianpost.com/u/gravel)\ **Post date:** [December 12, 2024, 11:08am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/399 "2024-12-12T11:08:05Z")
> [@Cortana](#): > > It was due anyway. Saron shouldn‘t be more expensive than fixed-rate mortgages. You’re right. It’s not so common saron is above fixed #staythecoursw Anyway a 0,25 cut was more expected than 0,5. I thought swiss Stocks would increase à little bit after the announcement. I will always remember the banker wanting to sell a 5y at 2.6% in October 2023😅 #fearsellers ---
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 12, 2024, 11:21am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/400 "2024-12-12T11:21:20Z")
> [@gravel](#): > > Anyway a 0,25 cut was more expected than 0,5 Bloomberg terminal earlier this week: 60% 50bps and 40% 25bps. ---
**Author:** ![gravel](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gravel/32/10676_2.png) [@gravel](https://forum.mustachianpost.com/u/gravel)\ **Post date:** [December 12, 2024, 11:30am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/402 "2024-12-12T11:30:51Z")
Thank you so much for sharing your insider informations 🙏 ---
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 12, 2024, 11:40am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/404 "2024-12-12T11:40:55Z")
> [@Tony1337](#): > > this comment has aged terribly Any new input from you? You were mocking me earlier this year about Saron mortgages. ---
**Author:** ![PhilMongoose](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/philmongoose/32/12331_2.png) [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Post date:** [December 12, 2024, 12:05pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/405 "2024-12-12T12:05:41Z")
Rates today from BVK. I will check again next week to see if SNB cut has an impact on rates offered. ![image](https://forum.mustachianpost.com/uploads/default/original/2X/5/59d7c4fb6d0c728aed4e688bc66b48e03f2675d2.png) ---
**Author:** ![Tony1337](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/tony1337/32/12327_2.png) [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)\ **Post date:** [December 12, 2024, 1:29pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/406 "2024-12-12T13:29:14Z")
What‘s the matter? Why are you digging up such an old comment? Where did I mock you? I don‘t even know what comment here is refered to, as I can‘t see to where it‘s answered. I tried to find your comment earlier up, but could not find one. Not sure why you‘re being passive agressive here, and I‘ve given plenty of thoughtful input in the topic since. You are free to read it. Your comment sounds like you are being needlessly petty. I think I‘ve shown to be a productive discussion member of the forum since then and not trying to needlessly stir up unproductive discussion. Granted my comment from back then seems like unneccessary also, and I likely wouldn‘t post it again. ---
**Author:** ![Cortana](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cortana/32/2082_2.png) [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Post date:** [December 12, 2024, 1:41pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/407 "2024-12-12T13:41:50Z")
> [@Tony1337](#): > > Granted my comment from back then seems like unneccessary also, and I likely wouldn‘t post it again. Good, then everything is fine. We can all grow. ---
**Author:** ![PhilMongoose](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/philmongoose/32/12331_2.png) [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Post date:** [December 12, 2024, 1:58pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943/408 "2024-12-12T13:58:55Z")
> [@Cortana](#): > > You were mocking me earlier this year I’m not sure if the bit you quoted was the mocking you referred to, but it doesn’t need to be read like that. I’m part of other forums where comments are made which are quickly overtaken by events and phrases like ‘this aged like milk’ are used not to mock, but to remark on the rapidly shifting circumstances. Online it can be hard to gauge someone’s meaning and intent, so I find it better to interpret comments charitably even if one can initially bristle at the comments made. [Previous page](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943.md?page=18) [Next page](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943.md?page=20)