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
Image Not Found A mortgage to suit your needs
Image Not Found Fixed or variable rate
Image Not Found Select the term you want
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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. 

Your benefits

The mortgage that is right for you

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

Variable mortgage

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.

Fixed-rate mortgage interest rates

Term 1st mortgage p.a. 2nd mortgage p.a.
2 years 2.05 % 2.45 %
3 years 2.04 % 2.44 %
4 years 1.93 % 2.33 %
5 years 1.93 % 2.33 %
6 years 1.94 % 2.34 %
7 years 1.96 % 2.36 %
8 years 1.93 % 2.33 %
9 years 1.94 % 2.34 %
10 years 1.96 % 2.36 %
Term
2 years 2.05 % 2.45 %
3 years 2.04 % 2.44 %
4 years 1.93 % 2.33 %
5 years 1.93 % 2.33 %
6 years 1.94 % 2.34 %
7 years 1.96 % 2.36 %
8 years 1.93 % 2.33 %
9 years 1.94 % 2.34 %
10 years 1.96 % 2.36 %
Version dated: 18th June 2024

Variable mortgage interest rates

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: 18th June 2024
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
Affordability calculation

Questions and answers

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Mortgage application PDF 0,2 Mb