Cantonal banks
The cantonal banks, traditionally the first address for a mortgage in your own canton, often backed by a state guarantee and local presence.
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Kanton Zürich
Zürcher Kantonalbank is the cantonal bank of the canton of Zurich and carries the canton's state guarantee. In its mortgage business it offers fixed-rate mortgages, a rollover mortgage and the Starthypothek for a first home purchase. The Umweltdarlehen grants a rate discount for environmentally friendly building and renovation. Advice and branches are concentrated in the greater Zurich economic area.
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Kanton Waadt
Banque Cantonale Vaudoise is the cantonal bank of the canton of Vaud and also runs its website in German. It is one of the cantonal banks without a state guarantee. In its mortgage business it offers fixed-rate mortgages with terms of two to ten years, a SARON mortgage, and short-term mortgages starting at one month. For construction there is the Construction Plus variant, which covers both the building phase and repayment.
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Kanton Bern
Berner Kantonalbank serves clients in the Bern and Solothurn region. Unlike many cantonal banks, BEKB operates without a state guarantee. For financing home ownership, clients can choose between a fixed-rate mortgage, a variable mortgage and a SARON mortgage, complemented by a construction loan that covers invoices during the building phase and converts into a mortgage once the project is finished.
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Kanton Luzern
Luzerner Kantonalbank is rooted in the canton of Lucerne and finances home ownership with several mortgage models. Options include a fixed-rate mortgage, a SARON mortgage and the Energiespar-Hypothek plus for sustainable building projects. With the family mortgage, new mortgage customers with children under 18 get a rate discount for three years.
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Kanton Aargau
Aargauische Kantonalbank is fully owned by the canton of Aargau and carries the canton's full state guarantee. Its mortgage lineup includes the AKB fixed-rate mortgage, the AKB SARON mortgage, the AKB Green mortgage with a preferential rate for the entire term, and the AKB renovation mortgage for energy-efficient upgrades.
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Kanton Genf
Banque Cantonale de Genève is the cantonal bank of the canton of Geneva. It has had no state guarantee since 2017. It offers mortgages at a fixed rate, a variable rate, and one based on SARON. On a new purchase, a residential property is financed up to 80 percent of its value.
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Kanton St. Gallen
St. Galler Kantonalbank operates in eastern Switzerland and serves the cantons of St. Gallen and Appenzell Ausserrhoden. In its mortgage business it offers a fixed-rate mortgage, a variable mortgage and a SARON mortgage, plus Eco mortgages with a rate discount for sustainable building projects. At a reasonable purchase price, home ownership is financed up to 80 percent, and existing customers can refinance a mortgage online.
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Zug
Zuger Kantonalbank is the cantonal bank of Zug and offers mortgages for one of the priciest property markets in Switzerland. Fixed-rate mortgages, SARON mortgages, variable mortgages and construction loans all belong to its lineup.
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Basel-Stadt
Basler Kantonalbank is the cantonal bank of Basel-Stadt and carries the canton's state guarantee, under which the canton is liable for deposits beyond the general deposit insurance. It finances home ownership up to 80 percent of the purchase price. Its offering includes the Welcome mortgage, a fixed-rate mortgage with a term of two to ten years, plus a SARON mortgage.
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Kanton Thurgau
Thurgauer Kantonalbank serves home ownership in the canton of Thurgau and offers several mortgage models. These include a fixed-rate mortgage, a SARON Flexi mortgage with a one-time switch into a fixed-rate mortgage, a variable mortgage, and the family mortgage with a rate reduction. The Energie-Hypothek can lower interest costs on ecological building or renovation under Minergie or GEAK standards, and myhypo.ch allows an online sign-up.
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Glarus
Glarner Kantonalbank is the state bank of the canton of Glarus and runs, alongside its classic branch business, hypomat.ch, one of the first fully digital mortgage platforms in Switzerland.
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Schwyz
Schwyzer Kantonalbank is the state bank of the canton of Schwyz and offers mortgages for retail and business customers in the region. The offering includes a fixed-rate mortgage, a SARON mortgage, a variable mortgage and a construction loan.
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Sitten
Walliser Kantonalbank is the state bank of the canton of Valais and offers mortgages and construction loans for retail customers in one of Switzerland's largest tourism regions. Second homes and vacation properties are financed as well.
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Herisau, Appenzell Ausserrhoden
Kantonalbank des Kantons Appenzell Ausserrhoden, Hypotheken und Bankdienstleistungen für die Region
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Delémont
Kantonalbank des Kantons Jura, Hypotheken und Kreditlösungen für regionale Immobilienprojekte
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Kanton Graubünden
Graubündner Kantonalbank is rooted in the canton of Graubünden and knows the property market from the valley floor to the mountain village. For new builds, purchases or renovations it offers a construction loan, a fixed-rate mortgage, a money market mortgage and the sustainable Verda mortgage. Mortgage advice is free of charge.
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Stans, Nidwalden
Kantonalbank des Kantons Nidwalden, lokale Hypothekenfinanzierung und Bankservices in der Zentralschweiz
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Schaffhausen
Schaffhauser Kantonalbank is the state bank of the canton of Schaffhausen and offers mortgages for retail customers in Switzerland's northernmost region. Its offering includes a fixed-rate mortgage, a SARON mortgage and a variable mortgage.
Frequently asked questions
Was unterscheidet die Kantonalbanken untereinander in Bezug auf die Sicherheit?
Nicht alle Kantonalbanken bieten eine Staatsgarantie an. Während einige Banken wie die Zürcher Kantonalbank oder die Aargauische Kantonalbank über eine solche Garantie verfügen, arbeiten andere wie die Berner Kantonalbank oder die Banque Cantonale Vaudoise ohne diese staatliche Absicherung.
Welche Hypothekarmodelle kann ich bei den Kantonalbanken typischerweise erwarten?
Die meisten Anbieter bieten klassische Festhypotheken und SARON-Hypotheken an. Es gibt auch spezielle Varianten wie variable Hypotheken, Rollover-Hypotheken oder sogar digitale Plattformen zur Abwicklung.
Gibt es Kantonalbanken, die sich auf digitale Abschlüsse spezialisiert haben?
Ja, die Glarner Kantonalbank betreibt neben dem Filialnetz auch hypomat.ch, was eine der ersten volldigitalen Hypothekarplattformen in der Schweiz ist.
Bieten die Kantonalbanken auch Lösungen für energetische Sanierungen an?
Einige Banken haben spezifische Modelle im Programm, wie etwa die Luzerner Kantonalbank mit ihrer Energiespar-Hypothek.