Migros Bank

Migros Bank AG is a nationwide bank for private individuals and businesses and operates in German, French, and Italian. Its mortgage range includes the fixed-rate mortgage with predictable interest costs, the SARON mortgage tied to the Swiss reference rate, the variable mortgage, the mortgage overdraft facility, and the construction loan. With the SARON mortgage, direct amortization and a flexible switch to a fixed-rate mortgage are both possible.

According to the website, anyone who takes out the mortgage online gets a rate discount. To help with preparation, there is a mortgage calculator, a mortgage comparison, and the option to lock in the interest rate in advance at no cost. An advisory appointment can be booked online, and the bank points out affordability rules, under which housing costs should come to no more than around 35 percent of net income.