Mortgages

Are you dreaming of your own home? A house that you can do whatever you want with? An apartment in which you and your loved ones can enjoy your independence? Generali is your expert for mortgages. We finance your dream to transform it into a reality.

Advantages
	A mortgage to suit your needs
	Fixed or variable rate
	Select the term you want
	Transparent costs

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Our mortgages: a short explanation

We offer two different mortgage models. Depending on your needs and your situation, you can select from a fixed-rate mortgage or a variable mortgage. The fixed-rate mortgage is well suited to people for whom security is a top priority. It guarantees a fixed rate of interest during the term of contract. A variable mortgage is ideal if flexibility is important to you and you don’t want to commit to a specific term. The interest rates fluctuate with the market and may change every three months.

Generali transforms your home ownership dream into a reality.

Different mortgages for different needs
You choose: fixed-rate mortgage or variable mortgage
Pay back up to CHF 20,000 per year
Professional advice and support from mortgage experts

Mortgages at a glance

Two mortgage options available

Fixed-rate mortgage

Select a term between 2 and 10 years

When security is important to you

Ideal when interest rates are rising

Variable mortgage

No fixed term

For those who want to stay flexible

Ideal when interest rates are falling

Our mortgage experts are here for you

We advise you on the model that is perfect for you.

Current interest rates

Generali offers you the option of a risk-adjusted interest structure. This means we calculate an interest rate that is personalised for you, based on your property and credit rating. That way, you benefit from the best possible interest rate you can get. Please note that the interest rates shown here are for information only and may change without notice before the policy is concluded.

Term	1st mortgage p.a.	2nd mortgage p.a.
2 years	2.12 %	2.52 %
3 years	2.11 %	2.51 %
4 years	2.01 %	2.41 %
5 years	2.02 %	2.42 %
6 years	2.04 %	2.44 %
7 years	2.03 %	2.43 %
8 years	1.99 %	2.39 %
9 years	2.00 %	2.40 %
10 years	2.07 %	2.47 %


Term
2 years	2.12 %	2.52 %
3 years	2.11 %	2.51 %
4 years	2.01 %	2.41 %
5 years	2.02 %	2.42 %
6 years	2.04 %	2.44 %
7 years	2.03 %	2.43 %
8 years	1.99 %	2.39 %
9 years	2.00 %	2.40 %
10 years	2.07 %	2.47 %

Version dated: 7 May 2024

Mortgage type	1st mortgage p.a.	2nd mortgage p.a.
New policy	2.75 %	3.25 %


Mortgage type
New policy	2.75 %	3.25 %

Version dated: 01 October 2023

Affordability calculation Can I afford a mortgage?

To help you answer it, we have created an example of an affordability calculation for you. The annual payment consisting of the mortgage interest rate, amortisation and ancillary costs may not exceed 33% of your net income. Our experts will be happy to assist you with your own personal affordability calculation.

View example calculation

Questions and answers

You must provide the equity capital needed to finance your home in cash. If you plan to use money from the 2nd pillar to finance your new apartment or house, you will have to withdraw it. Whether you plan to do this or not, you will need at least 10% equity capital in cash for the investment.

We provide loans of up to 80% of the market value for owner-occupied flats and houses and up to 75% of the market value for multi-family homes. The first mortgage covers 66% and the second mortgage covers 14% of the price. We do not provide mortgages for special properties such as holiday homes, production facilities, restaurants, business premises and luxury/dream houses.

The market value is the current value of the property to be financed. We calculate this value based on a valuation.

In Switzerland, you do not need to pay back the first mortgage.

The second mortgage must be paid back within 15 years, or by the time you retire at the latest. You can also directly or indirectly pay back the mortgage using a provident insurance policy. In this case, you pledge the policy as security.

You cannot cancel a fixed-rate mortgage during the mortgage term. If you sell your property before the end of the term, it is possible to pay a fee to divest the mortgage. You can cancel a variable mortgage at any time with a six-month notice period.

Life insurance is the perfect way to protect or pay back your mortgage. You can purchase life insurance from an insurer of your choice – and of course Generali will always be happy to help you with this. We provide expert, customised advice if you decide you are interested in this practical solution.

Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.

If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.

The advice is free of charge, with no strings attached. You choose the time and place.

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Mortgages

Your benefits

The mortgage that is right for you