Mortgage rates in Switzerland [2024]

Trump is such an unknown.
Ho knows what all the tarriff stuff does to inflation.

50 bp cut :slight_smile:

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Nice Christmas gift. Thank you SNB

I just wonder why theses cuts it has no upside effect on domestic mid cap stock?

No change in swap rates.

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already priced in, I guess.

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It was due anyway. Saron shouldn‘t be more expensive than fixed-rate mortgages.

The key question is when is the Mortgage reference rate changing?

Time to prepare for rent reductions :slight_smile:

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So the fixed rates won’t go down because of this change, right?

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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.

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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 Ă  little bit after the announcement.

I will always remember the banker wanting to sell a 5y at 2.6% in October 2023😅 #fearsellers

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Bloomberg terminal earlier this week: 60% 50bps and 40% 25bps.

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Updated 12.12.2024:

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Thank you so much for sharing your insider informations :pray:

It’s public: Zinsprognose - Schwyzer Kantonalbank

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Any new input from you? You were mocking me earlier this year about Saron mortgages.

Rates today from BVK. I will check again next week to see if SNB cut has an impact on rates offered.

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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.

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Good, then everything is fine. We can all grow.

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.

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Hello everybody, great news for who’s looking to finance/refinance their property:
https://www.ubs.com/ch/en/private/mortgages/mortgages-interest-rates.html?campID=UC:E:601216:601221:43130732:0:1830172500:1830271912:en:271134991:::#interest-rate-forecast