Simulate a mortgage loan

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Sorry, you are not able to make your mortgage application online. For more information please contact us.

Your rate:

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The results of the simulator are provided for information purposes only and should not be construed as an offer to contract.

VOS AVANTAGES

  • Amongst the most competitive of interest rates

  • Simple and fast contract finalisation

  • Loan periods of up to 15 years

NOS SERVICES

  • Personal advisor

  • Online service accessible 24/7

  • Confidential and secure process

  • Signing of your offer in just 15 minutes

How is your application processed online? *

1

Your real estate project

2

Your personal information

3

Your income and expenses

4

Your loan conditions

5

Validation

* This application is only accessible to residents of Switzerland.

Our solutions are adapted to your circumstances

What’s this?

A rate that stays the same for the duration of your loan.

Advantages:

  • Stability is ensured for your loan and budget
  • Protection against any possible rise in interest rates
  • Very attractive tax deductions
  • Personalised support
  • Loans ranging from 2 to 15 years, perhaps longer on request

Repayments:

For a fixed-rate loan, the annual charge consists of:

  • Interest on the mortgage fixed for the life of the loan
  • Repayments on the borrowed capital

What’s this?

An average rate calculated on the basis of a series of benchmark interest rates in the money markets.

Advantages:

  • A highly advantageous rate that is one of the lowest on the market and which is revised every three months
  • Great flexibility on the terms of your loan
  • Easy and advantageous conversion of your Libor-rate mortgage into a fixed-rate or variable-rate mortgage

Repayments:

  • You can repay your Libor-rate loan or voluntarily write down the amount of your choice on each rate maturity date.

*LIBOR: London Interbank Offered Rate

What’s this?

A rate that is indexed to market conditions

Advantages:

  • Great flexibility for scheduled repayments
  • Easy and advantageous conversion of your variable-rate mortgage into a fixed-rate or Libor-rate mortgage
  • Option to repay all or part of the mortgage at any time, without a minimum amount or penalty.

Repayments:

For a variable-rate loan, the annual charge consists of:

  • Interest on the mortgage loan
  • Repayments on the borrowed capital