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Zuger Kantonalbank

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Roll-over mortgage (based in LIBOR)

Mortgage with fixed term and periodic adjustment of the interest rate on a money market basis.

Since 30.06.2020, no new rollover mortgages have been offered.


  • The client profits from market-based terms and conditions.
  • Protection from rising interest rates through one-off switch option**


  • The last possible expiry date for new rollover mortgages to be concluded or extended is 31.12.2021
  • Tranche term 3 or 6 months

Minimum sum

CHF 100’000.00


  • No termination during the fixed term
  • Premature exit is possible under certain circumstances, subject to payment of an early repayment penalty


  • Indirect repayment via 3rd pillar as well as direct repayment possible

Interest rate adjustment

  • The interest rate comprises a basic rate and an individual margin
  • At the end of the tranche term, the basic rate (LIBOR) for the next period is agreed
  • At the end of the fixed term, the individual margin is recalculated.
  • The basic rate is always at least 0.01 %

Interest due dates


Interest rate hedge

none, but a one-off switch option** during the fixed term to a fixed-interest mortgage of Zuger Kantonalbank


* LIBOR = London Interbank Offered Rate: The interest rate at which banks lend money to each other in the short term.
** Your Zuger Kantonalbank client relationship manager will be pleased to explain to you how the switch option works.

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