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Old 06.08.2015, 22:07
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Current interest rates for mortgages

Hi,
I've checked comparis.ch, but would like to know real world deals, ie who managed to get some good deal. Or is comapris on spot?
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Old 07.08.2015, 01:02
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Re: Current interest rates for mortgages

I'm not in the market for one right now, but it depends on a couple of factors.
- how much is the property actually worth (in the eyes of the bank)?
- do you drain all your money into the 20% minimum downpayment or do you have money left?
- is the downpayment actually (much) larger than 20%?
- how much of your monthly budget (at an assumed 5% interest rate) goes into servicing the mortgage

The better the deal for the bank is, the more they're willing to go down a notch or two if you press them (and can show a better offer from another bank).

All AFAIK.
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Old 13.08.2015, 11:36
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Re: Current interest rates for mortgages

Rates on Comparis are only indicative. Your actual rate will vary depending on many factors as outlined in an earlier reply to this post. I'd approach the banks directly and ask them for offers. That way you will get your real world deal. You will start to see quite big differences between the offers and can use them to negotiate.
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Old 22.08.2015, 22:28
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Re: Current interest rates for mortgages

The rates Moneypark negotiated on behalf of its customers, on moneypark.ch are, to my knowledge, about or very close to the lowest negotiable rates (e.g. 0.78% for Libor). Practically all banks/insurers publish "Schaufensterzinsen", "shopwindow" rates on various sites (Comparis, Vermoegenspartner Winterthur), i.e. Not yet "best-and-final offers", with the exception of, if I'm correct, Migros.
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