SARON mortgage: Flexible Mortgage | Replacement Libor | key4.ch

SARON mortgage

The successor to the Libor mortgage

SARON is a money market rate and will replace the Libor interest rate. Find out everything you need to know about SARON and our new SARON mortgage.


Our interest rates*

These interest rates are for illustrative purposes only and are updated regularly (current status as at 13.10.2021). They do not constitute a binding financing offer.

The interest rates shown were determined by key4 on the basis of the following financing parameters: canton: Zurich, loan amount: CHF 500,000, affordability: 24%, loan-to-value ratio: 50%, mortgage payout date: 12.11.2021.

A brief guide to the SARON

A brief guide to the SARON

A SARON mortgage is of interest to you if you:

  • looking for flexible financing to buy your own home.
  • follow developments on the financial markets.
  • can accept short-term interest rate fluctuations.
  • want to benefit from attractive interest rates.

Why is Libor being replaced by SARON?

Since the financial crisis, banks have increasingly been lending to each other only against collateral. Consequently, for many loan periods, no truly unsecured transactions are concluded at all and prices can only be estimated. As a result, the Libor rate is no longer as meaningful and is no longer suitable as a reference rate in the longer term.


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What are the advantages and disadvantages?

Attractive and market-oriented Swiss base rate
Possibility to switch to a key4 fixed-rate mortgage at any time
Indefinite contract term
Fluctuating interest rates, resulting in less planning reliability

How will interest rates evolve?

Receive our interest rate forecast regularly and free of charge by e-mail and find out more about future interest rate trends.

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How much is your property worth?

We need only a few details about your property to estimate its current market value. We’ll send you the result free of charge by email.

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