Low interest rates – a golden opportunity to buy a home

The Swiss National Bank’s (SNB) latest cut to the key interest rate, announced shortly before Christmas, is bringing further good news in the new year: buying your own home has become even more attractive thanks to the lower interest rates. Saron mortgages, which are directly linked to the SNB’s key interest rate, are now at a similar price level to fixed-rate mortgages. Choosing the right mortgage is a personal decision. Depending on your financial situation and your appetite for risk or need for security, a short-term Saron mortgage or a fixed-rate mortgage may be the best option.

Seize the opportunity to buy your own home

“Generally speaking, we can assume that interest rates will remain at a relatively low level,” says Thomas Graf, an experienced Bern-based estate agent. Consequently, the risk of interest costs suddenly rising again has fallen. This increases planning certainty. “The interest rate environment is healthy. Regardless of the type of mortgage chosen, it provides a good basis for buying a home in both the medium and long term,” says Thomas Graf. The property expert explains that the timing is favourable for a number of reasons: the rental market remains tight, with prices rising in many regions. “The lower financing costs therefore make buying a house or flat an attractive alternative.” Furthermore, the stable economic conditions and the robust property market in Switzerland also make home ownership an interesting long-term investment.

Assess your financial situation and seek professional advice

“Many people dream of owning their own home – now the conditions are right to turn that dream into reality,” says Thomas Graf. For a successful property purchase, it is important to carefully assess your individual financial situation and seek professional guidance. “Every home is unique and a significant asset,” says Thomas Graf, “so proven expertise, professionalism and experience are essential. The property market is complex.” It is therefore worth seeking expert advice.

Comprehensive property and financial expertise

The experienced property team at thomasgraf ag provides personalised and expert advice to prospective buyers on the various aspects of home ownership – whether it be a flat or a detached house. This established property service provider also offers an exciting selection of attractive properties for sale. thomasgraf ag is a certified member of the Swiss Chamber of Estate Agents (SMK) and also supports clients in the sale of a property. Thanks to thomasgraf ag’s close cooperation with the asset manager and family office service provider TRIONINVEST, as well as the financial services provider hypolino ag, it offers comprehensive property-specific and financial expertise, many years of industry experience and a strong network.