All about the Generali mortgage model

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.

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.

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.

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.