Borrow in Swiss francs or euros?

The franc is cheaper, but exposes you to exchange rates if you leave Switzerland. Compare both mortgages, and what happens if your income goes back to euros.

Your project

Property price, in euros Deposit, in euros 10% of the price by default: change it freely, automatic adjustment then stops.

Term, in years Household net income, per month, in francs

Rate profile Been quoted your own rates? Enter them below; automatic adjustment then stops.

Rate for a franc mortgage, in % Rate for a euro mortgage, in %

Cross-border market rates as of 13 October 2026, excluding insurance, adjusted to the term. Notary fees (2–3% on new builds) and loan insurance not included.

The result

Mortgage in francs

CHF per month

i.e. € at today's rate

Amount borrowed	CHF
Interest over the full term	CHF
Debt ratio	%

Mortgage in euros

€ per month

i.e. CHF at today's rate

Amount borrowed	€
Interest over the full term	€
Debt ratio	%

What if you leave Switzerland?

Your income becomes euros, your payment stays in francs: if the franc rises, so does your payment.

The franc makes sense if you stay in Switzerland for most of the loan. Otherwise the euro costs more but holds no surprises. A franc mortgage can be refinanced in euros along the way, at a cost.

A franc mortgage is not open to everyone: see the conditions.

Have this calculation checked

A simulator is no substitute for a review of your file. Tell us your project: the developer of the development concerned will contact you.