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You qualify for the special offer if, as an existing �鶹�� client or a new client, you are newly financing an energy-efficient property with �鶹��. A property is considered energy-efficient if the �鶹�� CO2 calculator* determines it has an overall energy efficiency class A or B and the property does not have oil or gas heating, or it has one of the following energy certificates: Minergie®, GEAK® certification, classes A/B (for overall energy efficiency) or HPE/THPE issued within the last 10 years.

* The values determined by �鶹�� CO2 calculator are based on a model developed by Wüest Partner AG, a leading Swiss real estate consulting firm. The method used to calculate energy efficiency classes for the heat requirement (building envelope) follows GEAK methodology. The energy efficiency classes can deviate from an official GEAK (cantonal building energy performance certificate) carried out by an accredited GEAK expert and depend on information provided and assumptions.

The interest rate calculation depends on a variety of factors. Our mortgage experts will be happy to make you a personal offer.

The values determined by �鶹�� CO2 calculator are based on a model developed by Wüest Partner AG, a leading Swiss real estate consulting firm. The method used to calculate energy efficiency classes for the heat requirement (building envelope) follows GEAK methodology. The energy efficiency classes can deviate from an official GEAK (cantonal building energy performance certificate) carried out by an accredited GEAK expert and depend on information provided and assumptions.

You will receive an individual assessment of equity requirements and affordability. Our mortgage experts will be happy to make you an individual offer.

A Fixed-rate Mortgage has a fixed interest rate and a fixed term. This way, you are guaranteed fixed interest rates for years.

While we’re on the subject of interest rates, would you like to keep up to date with interest rate trends? With the �鶹�� interest rate forecast, we inform you regularly by email about the latest interest rate trends.

Yes. With the �鶹�� Fixed-rate Mortgage Green, you can choose to fix the interest rate up to 12 month in advance.

At the end of the term, the general interest rate level may be higher than when you took out your Fixed-rate Mortgage. In this case, you would have to take out follow-up financing at a higher interest rate.

To minimize this interest rate risk, it is therefore advantageous to split larger amounts into several mortgage tranches from the outset, for instance by dividing the total between two Fixed-rate Mortgages with different terms.

The �鶹�� Mortgage Green takes this into account: Total financing of above CHF 500,000 should be divided into several tranches with different terms, if possible.

If you are in a hurry, you can request a credit decision within 48 hours.

We carry out a purchase price check / real estate appraisal to estimate the market price of your property and compare it with reference properties.