Home ownership · Module 7
Fixed or
Saron?
Planning certainty or lower costs – the big mortgage question.
The difference
Security or chance
Fixed mortgage
Rate locked – full security, but with a premium.
Saron
Follows the market – often cheaper, but fluctuating.
SecurityCostsNerves
Fixed
When fixed fits
Tight budgetno surprises
Low rateslock in long
Premiumsecurity costs
Saron
When Saron fits
With bufferfluctuations bearable
On averageoften cheaper
Rate riskrises immediately
The middle way
Split and stagger
Splitseveral tranches
→
Staggerdifferent terms
→
Mixsecurity plus chance
So nothing ever comes up for renewal all at once.
Good to know
What suits you?
💡 First step: Fixed, Saron or a mix – the right choice hangs on your budget and your nerves. A comparison pays before you sign.
Beratung anfragenThis video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg