You mean to say 0,89 fix margin + Saron?
Standard 20%. We shopped around for mortgage rates and global bank was the most competitive.
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No, 0.89 all-in, including margin.
Meaning margin 0.68 + Saron?
Correct.
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Now I’m jealous, we got 0,8% margin + Saron, undetermined period, a few weeks ago.
Which bank is that? I was getting around 0.8%-0.9% when asking some months ago
That is a really good deal. I’m also getting 0.8-0.9% from everywhere I am asking including the global bank.
Though I’m wondering whether to take SARON at the moment as the 5-year fixed looks very good at the moment. As and when SNB increases the rate, the SARON+margin will be equal to today’s 5-year.
Though the possibility of SARON rate going up is less in the next few quarters, I wonder what the calculation is to arrive at a decision for SARON, 5-year or 10-year.
which rates are you getting for 5-years fixed?
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Bank 1 - 1.13% and Bank 2 - 1.2%
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When in doubt - 50/50?
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Slightly off-topic/meta: I see a somewhat general aversion to directly naming banks in this thread, is there a reason for that?
Is there a NDA in those mortgage contracts?
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Good question - I just followed the norm; not sure why the norm is there though. 
Mortgages is probably one of few cases where it is not a good idea.
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Well, I got an offer for 0.64% margin with 3 years lock-in from WIR/VIAC and some less attractive fixed rates, but that was one month ago.
When writing for an update today looks like they discontinued taking mortgages altogether (without notice).
I’ll update once other offers are finalized.
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The bank that is too big to fail now 
Global bank also offered me as of yesterday the following rates for fixed:
5Y: 1.05
7Y: 1.22
10Y: 1.39
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0.64% margin for SARON is amazing. The only caveat is that its for 3 years and chances to increase that at the time of renewal after 3 years is high.
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Update:
Cantonal Bank: 1.3% 5y fixed, 0.75% saron margin
WIR: 1.42% 5y fixed and as above 0.64% saron margin 3y lock-in (but one month old offer)
Infamous bank: 1.13% 5y fixed and 1% saron margin (.9% if locked)
Broker: 1.06% 5y fixed and 0.65% saron margin (conditions not yet disclosed, probably some caveats)
Such a bummer for VIAC/WIR, now have to withdraw Pillar 3 and/or divest some stocks in this shitty market.
Edit: LTV 80% (VIAC would have been 85%)
I was offered the 5y at 1.13% and 10y at 1.42% by global bank last week. So, might be lower now.
What is you loan-to-value ratio?
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