Need help?

Urs Max · #81 24.09.2023, 22:12

	Quote:	komsomolez
	We were like less than 0.1% from threshold now in Sept. All Saron borrowers, anyone who has to refinance and anyone who takes a new mortgage effectively pays somewhere between 2.2% and 2.5%. It is just a matter of time that this gets rolled in the reference rate.

I see. And even if there's none in Dec it'll come in March. The average s 1.59%, the reference rate rises it if goes above 1.62%.

Saron and normal variable have the last SNB hike already priced in though. So the maturing fixed rates will decide, including the unlucky sods who had 10yrs as they will get basically the same rate again.

Phil_MCR · #82 25.09.2023, 09:25

	Quote:	komsomolez
	We were like less than 0.1% from threshold now in Sept.

what threshold is that?

komsomolez · #83 25.09.2023, 09:52

	Quote:	Phil_MCR
	what threshold is that?

Rounding to thw next quarter point. As Urs wrote, the index was 1.59%, so reference rate remained at 1.5%. Had it gone to 1.63%, they reference rate would have become 1.75%.

BlightyBob · #84 25.09.2023, 10:15

Are all flats subject to the rent increase? My building is quite old (1960), renovated in 2007. Just wondering how this impacts any increase. As mentioned before, my landlord/agency wanted to charge just 60 CHF more and not tied to any percentage, which was strange. This makes me think they may not be subject to an interest rate.

komsomolez · #85 25.09.2023, 10:20

	Quote:	BlightyBob
	Are all flats subject to the rent increase? My building is quite old (1960), renovated in 2007. Just wondering how this impacts any increase. As mentioned before, my landlord/agency wanted to charge just 60 CHF more and not tied to any percentage, which was strange. This makes me think they may not be subject to an interest rate.

It should say in your contract.

Axa · #86 25.09.2023, 10:56

	Quote:	ZuriRollt
	WOW A Mod designed this thread to their own needs. A Mod that clearly despises you. OK You maybe had them on ignore long enough that yoi didn’t notice how much she ridiculed you.

Why still here?

	Quote:
	Sure I could explain / add to what will happen, based on my last decades of living here in Switzerland. And well informed as I understand the language and am Swiss. But, as the mods have slim-lined the participation / contribution of the forum through bans for non-explained reasons etc., don’t really feel motivated to do so. Sorry. But it’s fun to watch you guys digging around, as on all other threads. Good luck with the increase if it hits you!

https://www.englishforum.ch/3485328-post14.html