What must I take into account with fixed-rate mortgages?

Even if fixed-rate mortgages appear cheap, you should have at least part of your financing as a money market mortgage, which is almost always significantly cheaper over the long term. Money market mortgages are also better if you have to unexpectedly sell your property and therefore break your mortgage prematurely – in case of divorce, for example. With fixed-rate mortgages, the penalties charged by banks in such cases often run to tens of thousands of francs. The costs for breaking a money market mortgage are often a lot lower.


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