SARON mortgage: a flexible real estate loan to get the most out of your loan

With the SARON mortgage from BCGE, you can benefit from transparent and low interest rates. The mortgage is based on the SARON (Swiss Average Rate Overnight). This reflects the conditions for overnight money transactions in the secured CHF money market. The compounded SARON (compounded SARON) serves as a reference for calculating the interest rates.

If there is an increase in interest rates, you can react very quickly. Simply tell your client advisor that you would like to convert your SARON mortgage into a fixed-rate mortgage at the beginning of the next quarter. The interest rate applicable on the day of the application is used.

You can also optimize the interest rate risk by dividing your loan between a short-term interest rate (SARON) and a medium- to long-term interest rate (fixed interest rate of 2–15 years).

Further information

interest rate



Compounded SARON

Notification of the interest rate

Two days before the end of the period (quarterly)



Minimum amount

CHF 100 000

Ordinary termination or extraordinary amortization

One month’s notice to the end of the quarterly closing.

Conversion to a fixed-rate mortgage

Possible if announced 15 days before the quarterly due date, Interest rate fixed 2 days before the due date, free of charge.


The calculator provides the compounded interest rates based on the SARON for all date combinations of the last 12 months (for all days of the week) by calculating the daily SARON rates for the selected period. SARON calculator – Six


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