# Mortgage rates in Switzerland
**URL:** https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881
**Category:** Real Estate
**Created:** [August 15, 2021, 11:48pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881 "2021-08-15T23:48:48Z")
**Posts on this page:** 6
**Page:** 8
### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [July 19, 2022, 9:49am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/172 "2022-07-19T09:49:41Z")
Up to 66.6% LTV you can do whatever you want with the additional money. So if your property value is 1.2 million and your current mortgage is 500k, you could increase it to 800k and buy a Ferrari for 300k. Or invest 300k in stock ETFs. Also the same with properties without a mortgage. You can go to any bank, let them make a valuation of it and then you can make a new mortgage up to 66.6% and use the whole amount however you desire.
As soon as you surpass the 66.6% LTV, there are more restrictions. Usually only possible for RE-related things. So renovations or generating capital for buying something additional. Also repaying a 2nd pillar withdrawal that you made for RE in the past.
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### Author:  [@mbaluda](https://forum.mustachianpost.com/u/mbaluda)
#### Post date: [August 2, 2022, 6:29pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/173 "2022-08-02T18:29:16Z")
Migros asks 1.5% for their “hypolimite”
[https://www.migrosbank.ch/privatpersonen/hypotheken-kredite/hypotheken/hypolimite.html](https://www.migrosbank.ch/privatpersonen/hypotheken-kredite/hypotheken/hypolimite.html)
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### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [August 2, 2022, 7:39pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/174 "2022-08-02T19:39:18Z")
> [@mbaluda](#):
>
> Migros asks 1.5% for their “hypolimite”
Interesting, same rates as Interactive Brokers. If these are real rates.
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### Author:  [@xerox5003](https://forum.mustachianpost.com/u/xerox5003)
#### Post date: [August 2, 2022, 8:00pm UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/175 "2022-08-02T20:00:24Z")
IB has 3.83% p.a.
> **[Margin Rates and Financing | Interactive Brokers LLC](https://www.interactivebrokers.com/en/trading/margin-rates.php)**
>
> Margin rates and financing at Interactive Brokers can vary by tiers. See our chart and benchmark rates here.
EDIT: it’s for USD. CHF is at 1.50% p.a., yes.
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### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [June 5, 2024, 8:46am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/176 "2024-06-05T08:46:52Z")
80 posts were split to a new topic: [Mortgage rates in Switzerland [2024]](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2024/12943)
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### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [June 5, 2024, 8:47am UTC](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland/6881/238 "2024-06-05T08:47:14Z")
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