With attractive interest rates and integrated earthquake insurance!
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What VIAC mortgages are available?
Money market mortgage
1.17%Interest rate may change every 3 months
Term 3 years
Fixed rate mortgage
Term 5 years
Fixed rate mortgage
Term 10 years
 The money market mortgage is composed of the margin (0.65%) and the quarterly updated average interest rate (currently 0.52%). The basis is the previous quarter, so that interest rate adjustments are always one quarter behind. This increases transparency, as the valid interest rate is already known in advance.
Note: You do not have to choose one mortgage model. You can also split your mortgage amount into up to three models (tranches).
Disclaimer: These interest rates are the current rates offered. They can change at any time and are without guarantee. Your final interest rate will be confirmed as soon as the complete mortgage application has been received by Bank WIR.
What criteria must be met in order to benefit from the VIAC mortgage?
The VIAC Mortgage is only available to VIAC users. You must be between 18 and 60 years old and a Swiss citizen or have a B residence permit or C permanent residence permit. You can conclude a VIAC mortgage with a maximum of two people.
Only owner-occupied residential property at the place of residence in Switzerland is financed. The VIAC mortgage can be concluded for property purchases, mortgage repayments or renovations (maximum 10% of the property value).
The mortgage must amount to at least CHF 100’000. In combination with your VIAC pension assets, you can finance up to 100% of the purchase price. The payment or redemption of the existing mortgage will take place within the next 1.5 years and only total financing will be provided.
A complete list of criteria can be found in our VIAC Mortgage FAQ.
Why you should choose the VIAC mortgage!
No matter how high your income or your own capital is, with the VIAC mortgage all customers receive the same low interest rate. You can save yourself the hassle of negotiating.
Financing up to 100%
By pledging VIAC 3a assets or vested benefits, financing up to 100% of the purchase price is possible with the VIAC mortgage under certain circumstances. You can find more information on this topic in the FAQ 100% financing.
Quick and easy
Complete the non-binding VIAC Mortgage Quick Check. Then send your documents to the credit team of Bank WIR. The credit team of Bank WIR will check your application, contact you and then send you the contracts.
Fix low interest rates
With the VIAC mortgage you can pay off your current mortgage or conclude a new mortgage within a very short time. Interest rates can be fixed up to 1.5 years before the redemption of an existing mortgage or the conclusion of a new mortgage. For 3 months the fixation is even free of charge! Read more in the FAQ Interest rate fixation.
Free earthquake insurance
With the VIAC mortgage you additionally secure your property: With our mortgage solutions an earthquake insurance is automatically included free of charge! Find out more: FAQ Earthquake Insurance.
Our partner, Bank WIR, will process your mortgage application and pay out the mortgage. You become a customer of a Swiss cooperative bank. There are no additional costs for you.
How do I get my VIAC mortgage?
Use the Quick Check in your VIAC web version to check whether you are suitable for a VIAC mortgage. You can then download the application form as a PDF and send it with all the necessary documents to the mortgage provider (Bank WIR) by e-mail or post.
After that, the credit team of Bank WIR will take over the further processing of your mortgage application.
If financing is granted, a free mortgage and bank account will be opened at Bank WIR.
Perform a quick check in the VIAC web version
Download and send the application form
Verification of the financing by Bank WIR
Send contracts with certified ID copy to Bank WIR
VIAC Mortgage – a product of Bank WIR
The mortgage lender of the VIAC mortgage is Bank WIR. Only mortgages in Swiss francs are disbursed.
The Quick Check for your VIAC Mortgage is carried out in the VIAC application. The mortgage will not be displayed in the VIAC application until further notice.
In case of financing, a mortgage and a bank account (for interest payments) will be opened free of charge in your name at Bank WIR.
If there are any questions regarding your application or submitted documents, Bank WIR will contact you. If you have any questions, please do not hesitate to contact the credit team of Bank WIR.
Credit Team Bank WIR
Phone 0800 947 947