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Old 05.03.2017, 12:24
maxiii maxiii is offline
Join Date: Oct 2014
Location: ZH
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Re: Loans in CH: Interest payments

Obviously, you're not yet ready to buy a house here

Interest rates at BNS are negative, ie BNS pay the bank to take money off their hands, the bank lends to you at 1%, but they borrow at -1%, so the spread for little risk is 2%
"Obviously, you're not yet ready to buy a house here " <-- when i read this I was like "why do people on the internet have to say such things?"

Anyhow, I am aware of the spread you described. This does not answer my question.

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Just the opposite. Has all to do with the Eigenmietwert. It's the # 1 reason that loans never get paid off. Very big problem for folks in retirement and why they never pay off their mortgages.
But you have to pay Eigenmietwert regardless of whether you have a loan on the property, no?
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