Hypotheken
Aktuelle Hypothekarzinsen im Vergleich
Das VZ vergleicht laufend die aktuellen Hypothekarzinsen der wichtigsten Anbieter in der Schweiz.
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Hypothekarzinsen sparen
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: 29.04.2025
| Festhypothek | ||||||||||||||||
| Anbieter | Variabel | 1Jahr | 2Jahre | 3Jahre | 4Jahre | 5Jahre | 6Jahre | 7Jahre | 8Jahre | 9Jahre | 10Jahre | 11Jahre | 12Jahre | 13Jahre | 14Jahre | 15Jahre |
| AEK BANK 1826 | 1.1% | 1.1% | 1.2% | 1.3% | 1.35% | 1.45% | 1.5% | 1.6% | 1.65% | 1.7% | ||||||
| Appenzeller Kantonalbank | 1.2% | 1.15% | 1.2% | 1.3% | 1.4% | 1.45% | 1.5% | 1.6% | 1.65% | 1.7% | ||||||
| AXA | 3% | 1.32% | 1.35% | 1.37% | 1.4% | 1.48% | 1.56% | 1.62% | 1.68% | 1.74% | 1.86% | 1.95% | ||||
| Baloise Bank | 2.875% | 1.17% | 1.24% | 1.34% | 1.43% | 1.52% | 1.59% | 1.65% | 1.73% | 1.79% | ||||||
| Baloise Online Hypothek | 2.875% | 0.92% | 0.99% | 1.09% | 1.18% | 1.27% | 1.34% | 1.4% | 1.48% | 1.54% | ||||||
| Banca Popolare di Sondrio (Sui | 1.2% | 1.2% | 1.2% | 1.3% | 1.35% | 1.45% | 1.5% | 1.6% | 1.65% | 1.7% | ||||||
| Bank avera | 1.1% | 1.29% | 1.38% | 1.47% | 1.55% | 1.64% | 1.71% | 1.78% | 1.84% | 1.89% | 2.05% | 2.09% | 2.16% | 2.19% | 2.21% | |
| 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 | 1.05% | 1.17% | 1.28% | 1.39% | 1.47% | 1.56% | 1.64% | 1.71% | 1.77% | |||||||
| BVK | 1.08% | 1.13% | 1.18% | 1.24% | 1.32% | 1.38% | 1.45% | 1.52% | 1.56% | 1.61% | 1.66% | |||||
| 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% | 1.41% | 1.48% | 1.54% | 1.63% | 1.69% | 1.75% | 1.8% | 1.86% | 1.89% | 1.92% | 1.95% | 1.97% | 1.98% | |
| Graubündner Kantonalbank | 2.1% | 1.43% | 1.49% | 1.57% | 1.65% | 1.72% | 1.79% | 1.85% | 1.93% | 1.98% | 2.01% | 2.06% | 2.1% | 2.13% | 2.15% | |
| Hypomat | 2.75% | 0.95% | 0.98% | 1.05% | 1.12% | 1.19% | 1.27% | 1.32% | 1.39% | 1.44% | 1.48% | 1.51% | 1.54% | 1.56% | 1.57% | |
| Hypothekarbank Lenzburg | 2.875% | 1.24% | 1.31% | 1.41% | 1.51% | 1.61% | 1.67% | 1.75% | 1.8% | 1.85% | ||||||
| Luzerner Kantonalbank | 1.3% | 1.37% | 1.46% | 1.56% | 1.64% | 1.71% | 1.79% | 1.85% | 1.9% | |||||||
| Migros Bank | 1.31% | 1.32% | 1.41% | 1.5% | 1.58% | 1.65% | 1.72% | 1.78% | 1.83% | |||||||
| Mobiliar | 0.95% | 0.99% | 1.06% | 1.14% | 1.2% | 1.28% | 1.34% | 1.41% | 1.45% | 1.65% | 1.69% | 1.72% | 1.74% | 1.76% | ||
| PostFinance | 0.95% | 0.98% | 1.05% | 1.12% | 1.19% | 1.27% | 1.32% | 1.39% | 1.44% | 1.66% | 1.7% | 1.73% | 1.75% | 1.77% | ||
| Raiffeisen Schweiz | 3% | 1.23% | 1.29% | 1.41% | 1.53% | 1.64% | 1.74% | 1.84% | 1.93% | 2.01% | 2.32% | 2.37% | 2.46% | 2.49% | 2.52% | |
| St. Galler Kantonalbank | 1.4% | 1.4% | 1.5% | 1.55% | 1.65% | 1.7% | 1.75% | 1.85% | 1.9% | |||||||
| Swissquote | 0.92% | 0.96% | 1.07% | 1.26% | 1.37% | 1.47% | 1.56% | 1.64% | 1.71% | |||||||
| Valiant Bank | 1.3% | 1.39% | 1.47% | 1.56% | 1.64% | 1.71% | 1.77% | 1.83% | 1.9% | |||||||
| Vaudoise | 1.15% | 1.15% | 1.15% | 1.24% | 1.31% | 1.46% | 1.46% | 1.47% | 1.51% | 1.55% | 1.58% | 1.61% | 1.64% | |||
| Zuger Kantonalbank | 3% | 1.25% | 1.33% | 1.42% | 1.51% | 1.59% | 1.66% | 1.73% | 1.79% | 1.84% | ||||||
| Zürcher Kantonalbank | 1.3% | 1.38% | 1.47% | 1.56% | 0.64% | 1.71% | 1.78% | 1.84% | 1.9% | 2.05% | 2.09% | 2.17% | 2.19% | 2.22% | ||
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