However,
Switzerland: mortgage rates continue lower new: Nevertheless,
Switzerland: mortgage rates continue lower:
Real estate in Switzerland
Customs tensions with the United States drop mortgage rates
Customs duties imposed on Switzerland paradoxically have a positive effect on the real estate market. In addition, Investors rush to security, lowering bond yields and, by ricochet, mortgage rates.
Since the customs hammer blow. Moreover. it is above all the yields of the obligations of the Confederation that fell, which weighs on the interest rates of the mortgage market.
KEYSTONE
- Mortgage interest rates fell again switzerland: mortgage rates continue lower in August, especially for longer durations.
- Mortgages at ten years have reached their lowest level since June, with a rate of 1.73% on average.
- No supplier now requires a mortgage rate at ten years above 2%.
Interest rates on mortgage loans in Switzerland continued to decrease during the first half of August. However. However. in the past switzerland: mortgage rates continue lower new two weeks, indicative values have decreased more slowly than immersed after the high price drop at the beginning of the month. Meanwhile, Previously, a slight reversal had still been drawn: the indicative values have increased constantly since the end of May. In addition. This is revealed by the latest assessment of 20 mortgage suppliers in Switzerland, which the magazine “Finanz und Wirtschaft” observes regularly.
Like early August, it was the longest deadlines that experienced the most significant decline. These last two weeks, mortgage switzerland: mortgage rates continue lower rates at ten years have dropped from 1.75% to 1.73% on average. This is their lowest level since mid-June. A first drop of 0.05% had already been observed in early November. As for indicative rates at five years, they fell 1.38% to 1.35%. There too, you have to go back to mid-June to find such advantageous switzerland: mortgage rates continue lower new offers. These rates had already decreased by 0.04% in the first two weeks of August.
Indicative rates to two and three years fell 0.02% each, approximately finding their level in early August. Observed suppliers now offer an average of 1.17% for mortgages at two years and 1.22% for those at three years.
After having peaked at 0.6% in mid-July. the gap between fixed interest rates at ten years. those at two years has been slightly reduced in August, establishing itself to switzerland: mortgage rates continue lower 0.55%. This year again, the downward trend in long -term mortgage loans should continue. Between mid-2023 and mid-2024, this difference between rates evolved in a range from 0% to 0.2%. Since last August, it has displayed a constant progression, despite some fluctuations.
Switzerland: mortgage rates continue lower new
Switzerland: mortgage rates continue lower
All fixed interest rates over ten years. at less than 2%
In mid-August. the best offers for short-to-medium durations were on Hypomat.cha platform that offers the online mortgage from the Cantonal Bank of Glaris. The latter offers rates of 0.98% for a period of two years, 1% for three years and 1.03% for five years. For mortgages at ten years, Vaudoise Assurances offers the best conditions with a rate of 1.49%. No provider now requires a rate of more than 2% for a period of ten years.
The switzerland: mortgage rates continue lower Raiffeisen bank was the last to lower its indicative value below this threshold, offering 1.94%, as is the Cantonal Bank of Graubünden. The latter also dominates the market for short to medium periods, with rates between 1.37% and 1.57%.
Indicative rates are based on risk -free rates, such as state borrowing yields and swap rates. Since the end of July. the return on Confederation’s obligations at ten years have. however, dropped more strongly than interest rate swaps, which could explain the evolution of mortgage rates. This trend suggests that after US customs measures Against Switzerland, investors turn to safer investments.
Translated from German by Olivia Beuhat.
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Switzerland: mortgage rates continue lower new
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