Finally, the SARON (Swiss Average Rate Overnight) mortgage is the mortgage model that combines the variable rate with the fixed rate. In fact, this solution is composed of the basic market interest rate (calculated based on actual transactions on the Swiss money market) and an individual mark-up. Compared to a fixed-rate mortgage, in a normal interest environment the interest rate of a SARON mortgage is generally lower, although it can change quickly. That is why a SARON mortgage is suitable for you if you actively follow developments on the money and capital markets, expect interest rates to stay the same or go down, and can cope with the financial consequences of interest rate fluctuations.
The different types of company real estate financing have both advantages and disadvantages. Our experts are there for you to support you in choosing the best formula by defining the time horizon and providing an overview of the conditions.