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Our interest rates are based on the fluctuations on the Swiss money market and capital markets. Your interest costs will be fixed when you conclude the mortgage agreement. Your creditworthiness and the quality of coverage also play a role.
At AXA, you can conveniently make interest payments on a quarterly basis: On March 31, June 30, September 30, and December 31.
At AXA, the minimum amount for the entire mortgage on a property is CHF 400,000. Our interest and interest rates are aimed at ensuring first-class client creditworthiness and a low borrowing amount for the property. Depending on the type of property, its location, and the time of payout, these interest rates may vary.
The money-market mortgage is based on the SARON 3 months compounded rate, has a term of 3 years and can be converted into a fixed-rate mortgage at the end of each quarter. The minimum margin is 0.80% p.a.
Are you unsure whether you can afford your mortgage and cover the costs of your dream home in the long term? With our example, you can estimate your exact financial leeway and see whether you can afford the property.
To find out whether you can afford your own home in the long term, we calculate the so-called affordability of the property before granting any mortgage. In this way, we as the lender can ensure that you as the borrower can cover the ongoing financing costs – even in the long term. Much in the same way as a bank does. The total cost of the property shouldn't be more than one-third of your gross household income.
To find out what your home will actually cost, you add the amount of the mortgage, the effective interest rate, the amortization costs, as well as the monthly costs incurred for maintenance. The total shouldn't be more than one-third of your gross annual household income.
* Imputed interest rate: Lenders use this purely theoretical interest rate to gage whether you could still afford the mortgage if rates were to rise sharply.
** Repayment: The mortgage is repaid in equal quarterly installments. There is an obligation to repay the second mortgage: The second mortgage must be repaid within 15 years or by age 60 at the latest.
*** Ancillary costs: As a rule of thumb, 1% of the property value should be set aside every year for ancillary and maintenance costs.
**** Example interest rate: This depends on the lender's current rates and the term of the mortgage. We have used a rate of 3% in this example to keep things simple.
Phone: +41 58 215 44 01
AXA
Mortgage Center / W0.164
General-Guisan-Strasse 40
P.O. Box 357
8401 Winterthur
Phone: +41 58 215 44 01
E-mail: info.hypothek@axa.ch
Phone: +41 58 215 33 15
AXA
Mortgage Center / W0.164
General-Guisan-Strasse 40
P.O. Box 357
8401 Winterthur
Phone: +41 58 215 44 01
E-mail: info.hypothek@axa.ch
Phone: +41 58 215 34 01
AXA
Mortgage Center / DD-1.662
P.O. Box 7753
1002 Lausanne
Phone: +41 58 215 34 01
E-mail: hyporomandie@axa.ch
AXA uses the 20:80 rule: You should invest at least 20% of the purchase price of your own home yourself and borrow up to 80% in the form of borrowed capital (first and second mortgage). The higher the percentage you pay with your own funds, the lower your interest payments will be.
When you take out an AXA mortgage, you must pay at least 20% of the purchase price of the property from your own funds. None of this is allowed to come from an early withdrawal from Pillar 2 or other loans, and pledging Pillar 2 assets is also not permitted.
Mortgage repayment is normally split across two different mortgages:
The running costs of your home shouldn't amount to more than one-third of your gross annual income. These costs include interest on the first and second mortgages, ancillary costs, and repayments for the second mortgage.
AXA guarantees – as do many banks – mortgages for primary residences of homeowners. Single-family houses and condominiums with a broad market appeal and good resale potential
The minimum mortgage amount is CHF 400,000.
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