Hypotheken

Aktuelle Hypothekarzinsen im Vergleich

Das VZ vergleicht laufend die aktuellen Hypothekarzinsen der wichtigsten Anbieter in der Schweiz.

Merkblatt
Merkblatt

Saron-Hypothek oder Festhypothek?

Das Merkblatt zeigt auf, welche Vor- und Nachteile die beiden Modelle haben und wie viel Geld Sie sparen können, wenn Sie sich für die richtige Hypothek entscheiden.

Die Tabelle zeigt die aktuellen Zinssätze für Festhypotheken und variable Hypotheken von fast 30 Hypothekargebern in der Schweiz. Es handelt sich dabei um so genannte Richtsätze, die in der Regel verhandelbar sind. Einige Anbieter wie zum Beispiel die UBS veröffentlichen keine indikativen Zinssätze für Hypotheken und fehlen deshalb in der Tabelle.

Zinssätze für Festhypotheken und variable Hypotheken

Stand: 20.05.2025

Anbieter

Laufzeit in Jahren

 

Variabel

1 J.

2 J.

3 J.

4 J.

5 J.

6 J.

7 J.

8 J.

9 J.

10 J.

11 J.

12 J.

13 J.

14 J.

15 J.

AEK BANK 1826

 

1.1%

1.05%

1.1%

1.2%

1.3%

1.35%

1.45%

1.5%

1.55%

1.6%

 

 

 

 

 

Appenzeller Kantonalbank

 

1.2%

1.15%

1.2%

1.25%

1.35%

1.4%

1.45%

1.55%

1.6%

1.65%

 

 

 

 

 

AXA

3%

 

1.32%

1.32%

1.33%

1.35%

1.4%

1.48%

1.54%

1.6%

1.66%

 

1.8%

 

 

1.91%

Baloise Bank

2.875%

 

1.12%

1.19%

1.28%

1.35%

1.45%

1.52%

1.59%

1.67%

1.72%

 

 

 

 

 

Baloise Online Hypothek

2.875%

 

0.87%

0.94%

1.03%

1.1%

1.2%

1.27%

1.34%

1.42%

1.47%

 

 

 

 

 

Banca Popolare di Sondrio (Sui

 

1.2%

1.2%

1.2%

1.2%

1.3%

1.35%

1.45%

1.5%

1.55%

1.65%

 

 

 

 

 

Bank avera

 

1%

1.17%

1.26%

1.36%

1.45%

1.53%

1.61%

1.68%

1.74%

1.8%

1.96%

2.01%

2.08%

2.11%

2.14%

Bank EKI Genossenschaft

2.35%

 

1%

1.1%

1.15%

1.25%

1.35%

1.4%

1.5%

1.55%

1.6%

1.65%

1.65%

1.7%

1.75%

1.75%

Bank Julius Bär

 

 

0.91%

1.03%

1.13%

1.24%

1.33%

1.43%

1.51%

1.59%

1.64%

 

 

 

 

 

BVK

 

 

1.05%

1.08%

1.12%

1.19%

1.24%

1.3%

1.38%

1.42%

1.48%

1.56%

1.61%

 

 

 

Generali

2.75%

 

1.7%

1.7%

1.7%

1.7%

1.7%

1.7%

1.7%

1.7%

1.7%

 

 

 

 

 

Glarner Kantonalbank

3.05%

 

1.38%

1.39%

1.42%

1.5%

1.57%

1.64%

1.7%

1.76%

1.82%

1.85%

1.88%

1.91%

1.93%

1.94%

Graubündner Kantonalbank

 

2.4%

1.38%

1.42%

1.5%

1.57%

1.65%

1.73%

1.79%

1.86%

1.92%

1.97%

2.01%

2.06%

2.09%

2.11%

Hypomat

2.75%

 

0.95%

0.96%

0.99%

1.07%

1.14%

1.16%

1.28%

1.34%

1.35%

1.43%

1.47%

1.5%

1.51%

1.53%

Hypothekarbank Lenzburg

2.875%

 

1.2%

1.27%

1.37%

1.45%

1.53%

1.6%

1.7%

1.75%

1.79%

 

 

 

 

 

Luzerner Kantonalbank

 

 

1.26%

1.3%

1.35%

1.45%

1.54%

1.62%

1.69%

1.76%

1.82%

 

 

 

 

 

Migros Bank

 

 

1.32%

1.36%

1.36%

1.47%

1.56%

1.65%

1.71%

1.78%

1.83%

 

 

 

 

 

Mobiliar

 

 

0.95%

0.96%

0.98%

1.05%

1.12%

1.24%

1.26%

1.32%

1.42%

1.58%

1.61%

1.64%

1.67%

1.69%

PostFinance

 

 

1.02%

1.06%

1.09%

1.17%

1.24%

1.36%

1.38%

1.42%

1.55%

1.63%

1.67%

1.73%

1.73%

1.76%

Raiffeisen Schweiz

3%

 

1.2%

1.27%

1.39%

1.51%

1.62%

1.73%

1.83%

1.92%

2.01%

2.32%

2.37%

2.47%

2.51%

2.54%

St. Galler Kantonalbank

 

 

1.35%

1.35%

1.45%

1.5%

1.6%

1.65%

1.7%

1.8%

1.85%

 

 

 

 

 

Swissquote

 

 

0.96%

1.01%

1.1%

1.09%

1.18%

1.26%

1.36%

1.44%

1.5%

 

 

 

 

 

Valiant Bank

 

 

1.22%

1.29%

1.39%

1.46%

1.56%

1.65%

1.72%

1.79%

1.84%

 

 

 

 

 

Vaudoise

 

 

 

1.12%

1.12%

1.12%

1.21%

1.28%

1.42%

1.42%

1.44%

1.49%

1.53%

1.56%

1.59%

1.62%

Zuger Kantonalbank

3%

 

1.2%

1.23%

1.33%

1.41%

1.5%

1.58%

1.65%

1.71%

1.77%

 

 

 

 

 

Zürcher Kantonalbank

 

 

1.19%

1.28%

1.38%

1.47%

1.55%

1.63%

1.7%

1.76%

1.82%

1.98%

2.03%

2.1%

2.13%

2.16%

Kostenloses Merkblatt bestellen

Hypothekarzinsen lassen sich mit dem Wechsel zu einem günstigeren Kreditinstitut nur geringfügig optimieren. Welche Massnahmen deutlich mehr Sparpotenzial bieten, lesen Sie im Merkblatt. 

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