Quando si tratta di tassi d'interesse, less is more
Ipoteca online già a partire dallo 0,57%
Sogna una casa di sua proprietà? Con la nostra ipoteca online si assicura i tassi di interesse più convenienti per il finanziamento della sua casa.
Calcolatore d'ipoteche
Dei partner di fiducia
Insieme al nostro partner per le ipoteche, la Banca cantonale di Basilea, le offriamo le ipoteche online più convenienti per il finanziamento della sua casa o condizioni vantaggiose per le estinzioni di ipoteche.
Tassi d'interesse fissi già a partire dallo 0,57%
Trasmissione rapida e non burocratica online dei valori di riferimento
Risposta telefonica alle sue domande con esperti in materia di finanziamento
Decisione rapida e trasparente
Tassi d'interesse
I tassi d’interesse indicati sono a titolo indicativo e valgono per dei beni immobiliari residenziali di prima qualità e all’attenzione di persone con una solvibilità irreprensibile. I tassi d’interesse indicati si applicano a delle ipoteche di primo rango per un prestito di al massimo 75% del valore venale del bene immobiliare. I tassi d’interesse sono sottomessi alle fluttuazioni del mercato e vengono continuamente aggiornati. Tutte le informazioni sono fornite senza garanzia.
Richiedere un’ipoteca online
Ne approfitti subito e richieda la sua ipoteca in modo rapido e non burocratico online!
Detiene già un conto Trading con Swissquote?
Se non è ancora nostro cliente, è possibile aprire online un conto Trading per approfittare della nostra vantaggiosa offerta di finanziamento.
Domande su questa offerta?
Condtions
To be able to apply for a Swissquote eMortgage, you must satisfy the following conditions:
• You must be a client with Swissquote. Your life partner may become a joint debtor with a view to financing the mortgage as an additional borrower. You must live in Switzerland and may not be a US person.
• Your current income from employment, self-employment and pensions must ensure the long-term affordability of the property
• If self-employed, you must prove that your taxable income has been at least CHF 100,000 for the past three years
• Affordability must not exceed 35% for a main residence and 20% for a second residence or holiday home
• The property must be located in Switzerland.
• The property must be an existing single-family home or an existing owner-occupied flat. Properties undergoing construction may not be financed.
• The property must belong to you; it is not possible to finance building lots.
• Usufructs, pre-emptive rights and rights of abode may not be entered in the land register on behalf of third parties
• When buying a property, you must be able to provide your own resources in full before any loan is granted (it is not possible to make advance withdrawals from pension plans).
• It is possible to pay for a property by making advance withdrawals from pension plans only if the amount loaned (mortgage + advance withdrawal from pension plans/property value) does not exceed 65%.
• The maximum amount loaned is 75% for a main residence and 60% for a second residence or holiday home. The minimum repayment for a main residence is determined such that the amount loaned is reduced to a maximum of 65% within 15 years.
• Interest must be paid quarterly.
• Loan repayments are determined by the bank and must be made semiannually in equal instalments. You may not make indirect repayments via pension assets (Pillar 3).
• A linked account will be opened with Basellandschaftliche Kantonalbank for the purposes of debiting interest and repayments and handling the mortgage. It is the client’s responsibility to ensure that funds are provided on time.
• The first payout (if the contractual details specify a staggered mortgage payout) takes place between today and one year thereafter. The last payout (complete mortgage payout) takes place between the date of the first payout and five years thereafter.