Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation
Reply
 
Thread Tools Display Modes
  #1  
Old 06.08.2015, 21:07
Forum Veteran
 
Join Date: Mar 2010
Location: Geneva
Posts: 520
Groaned at 29 Times in 23 Posts
Thanked 328 Times in 183 Posts
saiya-jin has an excellent reputationsaiya-jin has an excellent reputationsaiya-jin has an excellent reputationsaiya-jin has an excellent reputation
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?
Cheers
Reply With Quote
  #2  
Old 07.08.2015, 00:02
Forum Legend
 
Join Date: Apr 2008
Location: Zurich
Posts: 2,660
Groaned at 52 Times in 33 Posts
Thanked 2,457 Times in 1,350 Posts
rainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond repute
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.
Reply With Quote
This user would like to thank rainer_d for this useful post:
  #3  
Old 13.08.2015, 10:36
Newbie 1st class
 
Join Date: Jul 2015
Location: Zug
Posts: 16
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 3 Posts
InZug2015 has become a little unpopularInZug2015 has become a little unpopular
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.
Reply With Quote
  #4  
Old 22.08.2015, 21:28
Vince's Avatar
Member
 
Join Date: Sep 2006
Location: Uster, ZH
Posts: 142
Groaned at 0 Times in 0 Posts
Thanked 91 Times in 54 Posts
Vince has made some interesting contributions
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.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Type of mortgage on current rates Mikers Housing in general 56 26.02.2015 14:25
current leasing rates nomad66 Transportation/driving 2 07.02.2015 12:54
PostFinance lowers interest rates Village Idiot Finance/banking/taxation 9 09.01.2013 12:18
interest rates for payment delay in contract Martusza Finance/banking/taxation 0 30.03.2011 13:53
Swiss interest rates clive7 Finance/banking/taxation 3 17.05.2007 17:30


All times are GMT +2. The time now is 17:53.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0