Term cost comparison
What current terms cost on CHF 500,000.
This comparison translates Wertify’s current average rates into francs. It shows interest costs, not the total cost of financing or the future path of rates.
Data as of 30.06.2026
2-year fixed mortgage
Average 1.472 % · 27 providers
CHF 7'359
per year
5-year fixed mortgage
Average 1.682 % · 29 providers
CHF 8'412
per year
10-year fixed mortgage
Average 1.939 % · 29 providers
CHF 9'693
per year
The right conclusion
A longer term offers predictability, not automatic savings.
A longer fixed rate can reduce budget risk but may carry a premium when the yield curve slopes upward. Whether that is worthwhile depends on risk tolerance, household budget, sale plans and the future path of rates.
Important limitation
The calculation compares today’s published indicative rates. It does not predict whether a short or long term will prove cheaper in hindsight. Personal offers may differ significantly.
Calculate your financing instead of an example amount
The mortgage calculator also considers equity and affordability.