Mortgage
Compare 70+ banks and insurers. Fixed, SARON, hybrid — calculate affordability.
20+
Banks
20%
Down payment
33%
Max load
SARON · Fixe
Rate types
Tout savoir sur Mortgage en Suisse en 2026
Buying property in Switzerland typically requires 20% down payment (10% outside pillar 2) and theoretical charges below 33% of income. Polia compares fixed (5/10/15 yr), SARON and hybrid mortgages across 70+ banks and insurers in real time.
4 raisons concrètes de comparer en 2026
Affordability calculator
Income + down payment + charges = max loan amount.
Real-time rates
Daily-updated SARON and fixed rates 1-15 years.
Renewal assistance
Compare before maturity to negotiate or switch lender.
Mortgage en 90 secondes
Comment Polia compare Mortgage en Suisse 2026, étape par étape — sans démarchage commercial.
- 1Présentation du marché et des écarts entre caisses.
- 2Démo du wizard de capture en 3 minutes.
- 3Que se passe-t-il après l'envoi de votre formulaire.
Mortgage dans tous les cantons suisses
Les primes varient fortement selon votre canton. Découvrez les tarifs 2026 et les caisses les moins chères près de chez vous.
- Geneva (GE)
- Vaud (VD)
- Zurich (ZH)
- Bern (BE)
- Valais (VS)
- Fribourg (FR)
- Neuchâtel (NE)
- Jura (JU)
- Ticino (TI)
- Basel-City (BS)
- Basel-Country (BL)
- Aargau (AG)
- Solothurn (SO)
- Lucerne (LU)
- St. Gallen (SG)
- Graubünden (GR)
- Schwyz (SZ)
- Zug (ZG)
- Thurgau (TG)
- Glarus (GL)
- Schaffhausen (SH)
- Appenzell Outer-Rhodes (AR)
- Appenzell Inner-Rhodes (AI)
- Obwalden (OW)
- Nidwalden (NW)
- Uri (UR)
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Questions fréquentes sur Mortgage
Vos questions les plus courantes, avec des réponses claires de notre équipe éditoriale Polia.
- How much down payment do I need?
- Minimum 20% of purchase price, with 10% outside pillar 2.
- Fixed or SARON?
- Fixed for stability (rate locked for X years). SARON is variable — riskier but often cheaper long-term on average.
- Can I use my pillar 2?
- Yes, by withdrawal or pledge. Until age 50, then with restrictions.
Pour aller plus loin
Switch mortgage
When to switch + how to avoid early-exit penalties.
Down payment for Swiss real estate
Legal minimum 20%, of which 10% in cash outside 2nd pillar. Detailed calculation for CHF 800,000.
Direct or indirect amortisation?
Indirect via 3a = tax savings. Direct = faster repayment. Numbers crunched.
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Tous les outils Polia liés à cette thématique.
Comparateurs liés
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Prêt à comparer Mortgage ?
Compare 70+ banks and insurers. Fixed, SARON, hybrid — calculate affordability.
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