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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Guide

No change: SNB maintains zero interest rate policy

On 18 June, the Swiss National Bank (SNB) decided to keep its key interest rate unchanged at zero percent. We provide an overview of the key questions surrounding the SNB’s current monetary policy: what does the zero interest rate mean for property owners, savers and investors? And how are interest rates expected to develop over the rest of the year?

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Guide

Paying off a mortgage: what you need to know

Is owning your own home your idea of a self-determined life? If you are looking into financing, i.e. a mortgage, you will come across the term “amortisation” sooner or later. What exactly does amortisation mean, and what do you need to know about it? Swiss Life answers the most important questions.

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

Imputed rental value to be abolished – an overview

Homeowners currently pay income tax on the imputed rental value of their homes. This will change. In September 2025, the Swiss electorate voted to abolish the imputed rental value. We have summarised the most important facts about the imputed rental value.

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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.

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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.

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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.

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