Guide real estate & mortgages

Our guides provide you with tips on financing and insuring your property. Gain fresh insights into topics such as contents insurance, mortgage renewal, the imputed rental value and key interest rates.

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Eine Frau mit dunklen Haaren, einem Rollkragenpullover und goldenen Ohrringen steht an einem Fenster, schaut hinaus und denkt nach.

Guide

The SNB lowers the key interest rate to zero percent

The Swiss National Bank (SNB) lowered its key interest rate by a further 0.25% to zero on 19 June. We provide an overview of the key issues surrounding the current key interest rate cut.

A middle-aged man stands next to a window façade with black frame elements. He is holding his mobile phone in his right hand. The man is in a modern residential building with elegant furniture.

Guide

Is the imputed rental value being abolished? A look at current developments

Homeowners currently pay income tax on the imputed rental value of their homes. But that could soon change: in September 2025, the Swiss electorate will vote on the introduction of a property tax. If the draft bill is accepted, it would lead to the abolition of the imputed rental value. We have summarised the most important facts about imputed rental value.

Young woman using the mobile phone while drinking coffee or tea at home

Guide

What you need to know about household contents insurance

Whether water damage, a broken window or burglary, there are many items in every home that can get damaged. Household contents insurance, adapted to your needs for a self-determined life, protects you against the financial consequences in the event of a claim.

Two young people are sitting on the floor of a kitchen and talking. The man has a beard and a blue sweater, the woman is wearing a knitted sweater. Behind the couple you can see a roof terrace with covered patio furniture.

Guide

Important tips for buying a home: how to avoid common mistakes

Owning your own four walls is a dream for many people. How do you start this exciting journey, and what do you need to keep in mind? What common mistakes can be avoided? We provide answers to the most important questions.

A young couple is sitting on a sofa in a cosy apartment, smiling and looking at a laptop together. The woman has long blonde hair and is wearing a grey sweater, the man has dark hair and is wearing a light blue shirt. In the background are a modern decorative pillow, a plant and a lamp. The window in the background lets in natural light and shows an urban landscape.

Guide

To rent or buy – which suits me better?

Staying in a rental apartment or buying your own home – what is best for you? There’s no one right answer to this. Both types of housing have their advantages and disadvantages. We will show you the main differences as well as the important factors to consider so that you can be self-determined in choosing what is currently best for your situation.

A couple walking hand-in-hand on the pavement in front of a building

Guide

Replacing a mortgage – what do I need to take into account?

Will your mortgage expire soon or do you want to change it? Not all mortgages can be paid off at any time, especially if you have two or more mortgage tranches. Swiss Life has eight useful tips on what to keep in mind when replacing your mortgage – for a self-determined life in your own four walls.

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