Furthermore,
Growth new: In addition,
This progression is somewhat below the average annual. Consequently, growth of the last ten years (illustration image).Image: Shutterstock
The Swiss mortgage market continued to grow in 2024. Furthermore, Cantonal banks have further strengthened their dominant position.
10.07.2025, 09:5710.07.2025, 10:16
The mortgage market continued to move forward last year in Switzerland, even if growth was somewhat lower. The cantonal banks have still cut the lion’s share, while UBS recorded a decline in this sector.
In 2024, growth new the total growth new volume of real estate credits displayed an increase of 2.6% to 1271 billion francs, according to figures published Thursday by the Moneypark portal. However, this increase is somewhat below 3% average annual growth of the last ten years.
Cantonal banks have further strengthened their dominant position on this market, recording mortgage growth of 5% or 23.3 billion francs, and totaling a market share of 38%, to compare to +4.6% or +9.7 billion for Raiffeisen establishments (17% market share). Regional banks (+3.7%) and pension funds (+8%) also accelerated, while UBS recorded a decrease of 3.4%for a market share of 22%.
Decrease in the key rate – Growth – Growth new
Moneypark experts explain the decrease of the bank to the three keys by the consolidation. effort growth new following the acquisition of its competitor Credit growth new Switzerland in March 2023. a risk adjustment.
This year. the growth of mortgage volumes should accelerate somewhat below the 3%mark. supported by the drop in the master rate of the Swiss National Bank (ENB). The latter has indeed planed in June its main rate at 0%, resulting in low -lower mortgage rates. (JZS/ATS)
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On its national market. the branch has structural competitive growth new advantages that it would like to export even more. But in the fight against American growth giants, even UBS is struggling.
Switzerland has not frankly bet on mass industrial production. For decades, exporters have obeyed an imperative of specialization. We could summarize this as follows: foreigners only buy Swiss goods if its qualitative advantages justify its higher price.
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