"I have my own home - can I really get more favourable interest rates on my loan?" - Yes, that's right!
As a rule, homeowners enjoy Significantly better credit conditions than tenants or people without property ownership. This is due to the security that the bank has through the home as a mortgage.
"Since I paid off my house, I've been getting much better offers on loans." - Andreas from Thun
Why do homeowners get better interest rates?
- Mortgage lien as security: The bank has access to the property in the event of a default.
- Lower risk for the bank: The risk of losing money is significantly reduced for the bank.
- Better credit ratings: Homeowners are often considered to be more financially stable.
- Longer credit periods possible: More flexible conditions lead to more favourable interest rates.
Exemplary interest rates for borrowers in Switzerland (as at 2025)
| Loan type | Owner-occupiers (approx.) | Non-homeowners (approx.) |
|---|---|---|
| Small loan | 7.9% | 10.95% |
| Consumer credit | 6.4% | 10.9% |
| Car loan | 6.4% | 9.9% |
Why is it worth applying for a loan at credxperts.ch?
- Exclusive partner conditions: We work together with Swiss banks and credit institutions - especially with top conditions for homeowners.
- Personalised advice: We help you to find the best offers and support you throughout the entire application process.
- Fast processing: With our digital application system, everything is quick and uncomplicated.
- Transparency & comparison: We always show you the best conditions in a transparent comparison.
- Flexible credit types: Whether Car, Instalment loan or Personal loan - we will find the optimum solution.
Frequently asked questions (FAQ) for homeowners
1. what documents do I need to apply for a loan?
- proof of income, proof of identity, mortgage contract or statement of account
2 How long does the credit check take?
Usually 1-2 working days, depending on the bank and loan amount.
4 What other advantages do I have as a homeowner?
Better conditions, longer terms, often higher loan volumes.
5. can I also arrange special repayments with credxperts.ch?
Yes, many banks offer unscheduled repayments - we will be happy to advise you.
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Why not benefit now?
"Thanks to credxperts.ch, I got my building loan at top conditions and save thousands of francs every year!" - Lena from Winterthur
Make the most of your advantages as a homeowner and secure the best loan for your needs with us.
Start a loan comparison now and secure favourable interest rates