Can SARON go negative?

Theoretically yes (as in 2015-2022), but contracts usually set a 0% floor.

What if rates rise sharply?

Your instalments rise. Most banks let you switch to fixed any time.

Mortgage

SARON mortgage

Variable rate indexed on SARON — typically cheaper on long-term average.

SARON (Swiss Average Rate Overnight) replaced LIBOR in 2022. Your rate = 3-month compound SARON + bank margin (0.6-1.5%). Historically cheaper long-term than fixed, but volatile.

Only bank margin

Polia compares 70 banks' margins (0.6-1.5%).

Flexible exit

Cancel every 3-6 months — cheaper than fixed.

FAQ

Can SARON go negative?: Theoretically yes (as in 2015-2022), but contracts usually set a 0% floor.
What if rates rise sharply?: Your instalments rise. Most banks let you switch to fixed any time.

Other products

Fixed-rate mortgage

Rate locked 2-15 years — absolute predictability.

Renovation mortgage

Finance your renovations: insulation, kitchen, bathroom, roof. Up to 80% LTV.

Compare now

Variable rate indexed on SARON — typically cheaper on long-term average.

Compare now