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Old 06.11.2016, 11:37
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Re: Which bank will help you better in buying a house?

You always pay a forward premium for securing the rate more that 3 months in advance so extra 0.05% is normal.
However, the rates you're getting are too high to begin with - homegate.ch (online 'arm' of Zürcher Kantonalbank) currently shows 5yr@0.80% and 10yr@1.184%.
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