Saron and fixed-rate mortgages: To what extent the starting position for Swiss property owners has changed in 2023

Risk-taking and risk-taking are not empty buzzwords

The flexibility offered and the argument that money market mortgages were by far the cheapest form of real estate financing in the past has convinced many. Ultimately, anyone who takes out a Saron mortgage should also know that when interest rates rise, they do so quickly – an interest rate level of 4 or 5 percent is no fantasy, as the past has shown. Willingness to take risks and the ability to take risks are not empty buzzwords, but are crucial when choosing a mortgage. “Anyone who can’t afford higher interest rates is better off biting the bullet and taking out a longer mortgage,” advises Schubiger.