Your financial companion. Fiduciary services, insurance, wealth and financing from a single source, for private clients and businesses throughout German-speaking Switzerland.
Your financial companion. Fiduciary services, insurance, wealth and financing from a single source, for private clients and businesses throughout German-speaking Switzerland.
For most households, a mortgage is the largest financial commitment. Even small differences in interest add up to several thousand francs over the term. Finaro compares offers from banks, insurers and pension funds and finds the solution that fits your situation.
We think beyond the interest rate: amortisation via Pillar 3a, the use of pension assets, building insurance and taxes are all part of the same decision. This is exactly where planning everything from a single source pays off.
Own funds: as a rule at least 20 percent of the purchase price, of which at least 10 percent not from the pension fund.
Affordability: the imputed housing costs (interest, amortisation and running costs) should not exceed around one third of gross income. Banks use a considerably higher interest rate than the current market rate for this calculation.
Amortisation: the second mortgage is usually repaid within 15 years, at the latest by retirement.
For companies and investors, we also finance owner-occupied commercial property and investment property. The requirements for own funds and affordability differ from those for a private home, and we prepare the documents accordingly.
We check your budget, own funds and affordability.
You receive offers from several partners, compared in a clear way.
We support the negotiation and the conclusion of the contract.
We contact you in good time before expiry and review the renewal.
Ideally several months before expiry. This leaves time to compare offers and to choose when to fix the interest rate.
A fixed-rate mortgage offers predictable costs, a SARON mortgage follows the market rate. Which fits better depends on your budget and your risk appetite. A combination often makes sense.
The initial consultation is free of charge. We disclose to you before signing how Finaro is compensated for the arrangement.
Let us do the calculations together.
