All about the Generali mortgage model

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Generali is an insurance company operating in Switzerland. It also offers several mortgage models, depending on your profile. In particular, it stands out for its advantageous rates, if you choose a fixed-rate mortgage.

Equity for a mortgage with Generali

To qualify for a mortgage with Generali, you need to bring in at least 20% of the purchase price in equity. You can use 10% available capital, and 10% from your pension fund or a 3rd pillar withdrawal.

A suitable mortgage model with Générali

With the fixed-rate mortgage, you'll enjoy a rate of between 2.35% and 2.95%. This formula is particularly suitable for those who wish to anticipate their expenses over several years. You can also choose the variable-rate mortgage, with an interest rate calculated according to market trends.

The duration of a mortgage with Generali

Traditionally, a mortgage with Generali can last between 2 and 10 years. It's important to note that when your creditworthiness is high, the insurance company can offer you a mortgage over a 15-year term. The mortgage is potentially renewable, after renegotiation with your advisor. In the event of early repayment, you will have to pay financial penalties.
Valery Chantepy
Updated on: 31.01.2024Written by Valery ChantepyHead of mortgage department at Comparea
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