What should I bear in mind about fixed-rate mortgages?

Even if fixed-rate mortgages seem cheap: Take out at least part of your financing as a money market mortgage, because they have always been significantly cheaper over the past 30 years. You are also better off with a money market mortgage if you have to sell the house unexpectedly and therefore have to terminate your mortgage prematurely – for example because of a divorce. With fixed-rate mortgages, the penalties charged by banks in such cases often run to tens of thousands of francs, while they are typically much lower for money market mortgages.

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