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Interest rates & monetary policy

Inflation and Real Estate: Is Home Ownership the Ultimate Hedge?

Property is widely seen as a safe real-asset in inflationary periods. Yet the protection works less automatically than the real-value logic suggests.

15.05.2026

6 min

Interest rates & monetary policy
Mortgages More Expensive Despite Zero SNB Rate: How to Negotiate Better Terms

The SNB policy rate sits at zero, yet mortgage rates have climbed. How the gap opened up, and what owners can do to push their margin back down.

27.04.2026

5 min

Interest rates & monetary policy
Negative Interest Rates in Review: "Lessons Learned" for the Future

Between 2015 and 2022, Switzerland experienced an exceptional monetary policy situation: the era of negative interest rates. What began as a short-term measure by the Swiss National Bank (SNB) to weaken the franc developed into a reality that lasted for years and fundamentally changed the behavior of savers, homeowners, and financial institutions.

27.04.2026

3 min

mortgage documents with house key
Interest rates & monetary policy
Forward Mortgage: When it Makes Sense to Lock in Interest Rates up to 24 Months in Advance

If you already know that you will need financing in a year or two, or that an existing mortgage is expiring, you often look at the interest rate outlook with uncertainty. The forward mortgage offers a tool here to reserve today's conditions for the future and brings planning security to your own budget planning.

22.04.2026

3 min

Eine Frau steht in der Türangel und blickt zu uns.
Interest rates & monetary policy

Currency risks with foreign income: Financing for international professionals

For many international professionals in Switzerland, income is not necessarily tied to the Swiss franc. Whether salary payments are in euros, US dollars or British pounds – those who draw their income in a foreign currency but want to finance property in Switzerland face special challenges with calculation and credit approval.

13.04.2026

3 min