Hypotheken-Vergleich Online: Schweizer Hypotheken vergleichen



Hypothekenvergleich Rechner

Darlehenssumme: CHF
Jahreszinssatz: %
Anfangstilgung: %
Jährliche Sondertilgung: CHF
Monatliche Rate CHF
Restschuld nach 10 Jahren CHF
Vollständige Tilgung nach Jahren
Darlehensaufwand CHF
© Dipl.-Ing. Norbert Heydorn

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Hypothek Definition und Lexikon

Rechtslage in einzelnen Ländern

Schweiz Hypothekenrechner

In der Schweiz existiert die Hypothek rechtlich nicht und wird nur umgangssprachlich für das entsprechende Darlehen verwendet. Dieses grundpfändlich gesicherte „Hypothekardarlehen“ wird in der Regel gemäß Art. 842 ZGB in einem Schuldbrief notariell verurkundet. Der Hypothekarische Referenzzinssatz („Hypothekarzinssatz“) kann, je nach Mietvertrag, auch massgebend sein für die Berechnung des Mietzinses.
   Wikipedia

Deutschland

siehe Hypothek (Deutschland)

Österreich

Im österreichischen Sachenrecht bezeichnet Hypothek ein Pfandrecht an einer unbeweglichen Sache.

England und Wales

siehe Mortgage (England und Wales)

Online Kredit aufnehmen


Hypotheken-Anbieter im Vergleich Schweiz

Zinsvergleich - VermögensZentrum

Eingabe: 
 Hypothekarform: 5 Jahre fest
 Höhe der Hypothek: 100'000 CHF
 Stand: 08.09.2015, Quelle: VZ VermögensZentrum

1'150 Franken pro Jahr beträgt der Kostenunterschied zwischen dem teuersten und dem günstigsten Hypothekenanbieter.

+--------------------------------+-------+-------+
| Anbieter                       | Zins  | CHF   |
+--------------------------------+-------+-------+
| e-hypo (nur online)            | 0.75% | 750   |
+--------------------------------+-------+-------+
| Homegate (nur online)          | 0.82% | 820   |
+--------------------------------+-------+-------+
| Swissquote (nur online)        | 0.84% | 840   |
+--------------------------------+-------+-------+
| Hypomat (nur online)           | 0.86% | 860   |
+--------------------------------+-------+-------+
| AXA Winterthur                 | 1.19% | 1'190 |
+--------------------------------+-------+-------+
| Appenzeller Kantonalbank       | 1.20% | 1'200 |
+--------------------------------+-------+-------+
| Bernerland Bank AG             | 1.20% | 1'200 |
+--------------------------------+-------+-------+
| Swiss Life                     | 1.21% | 1'210 |
+--------------------------------+-------+-------+
| Bank EKI Genossenschaft        | 1.25% | 1'250 |
+--------------------------------+-------+-------+
| Lienhardt & Partner AG         | 1.25% | 1'250 |
+--------------------------------+-------+-------+
| Migros Bank                    | 1.25% | 1'250 |
+--------------------------------+-------+-------+
| PostFinance                    | 1.25% | 1'250 |
+--------------------------------+-------+-------+
| Clientis Zürcher Regionalbank  | 1.27% | 1'270 |
+--------------------------------+-------+-------+
| Credit Suisse                  | 1.27% | 1'270 |
+--------------------------------+-------+-------+
| Graubündner Kantonalbank       | 1.27% | 1'270 |
+--------------------------------+-------+-------+
| Luzerner Kantonalbank          | 1.27% | 1'270 |
+--------------------------------+-------+-------+
| Zürcher Kantonalbank           | 1.27% | 1'270 |
+--------------------------------+-------+-------+
| Raiffeisen Schweiz             | 1.28% | 1'280 |
+--------------------------------+-------+-------+
| Bank Coop                      | 1.29% | 1'290 |
+--------------------------------+-------+-------+
| Valiant Bank                   | 1.29% | 1'290 |
+--------------------------------+-------+-------+
| Banque Cantonale de Genève     | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Banque Cantonale Neuchâteloise | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Basler Kantonalbank (BKB)      | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Glarner Kantonalbank           | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Regiobank Solothurn            | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| St. Galler Kantonalbank        | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Zuger Kantonalbank             | 1.30% | 1'300 |
+--------------------------------+-------+-------+
| Zürich Versicherungen          | 1.33% | 1'330 |
+--------------------------------+-------+-------+
| Baloise Bank SoBa              | 1.35% | 1'350 |
+--------------------------------+-------+-------+
| Hypothekarbank Lenzburg        | 1.35% | 1'350 |
+--------------------------------+-------+-------+
| Schaffhauser Kantonalbank      | 1.35% | 1'350 |
+--------------------------------+-------+-------+
| Banca Popolare di Sondrio (Sui | 1.38% | 1'375 |
+--------------------------------+-------+-------+
| Generali                       | 1.45% | 1'450 |
+--------------------------------+-------+-------+
| AEK BANK 1826                  | 1.50% | 1'500 |
+--------------------------------+-------+-------+
| Julius Bär                     | 1.54% | 1'540 |
+--------------------------------+-------+-------+
| Allianz Suisse                 | 1.65% | 1'650 |
+--------------------------------+-------+-------+
| Helvetia Versicherungen        | 1.90% | 1'900 |
+--------------------------------+-------+-------+

Hypotheken-Zinsüberblick - Comparis

Auswahlkriterien:
 Wohnobjekte: Alle
 Belehnung: bis 80%
 Kanton: Zürich ZH
 Modell: 5 Jahre
 Indikative Richtzinssätze
 unverbindliche Richtzinsen
 Stand: 08.09.2015, Quelle: Comparis

+----------------------------------------------+--------------------+---------------+
| Anbieter                                     | Richtzinsen(% pa.) | Sparpotenzial |
+----------------------------------------------+--------------------+---------------+
| comparis.ch-Nutzer 1                         | ab 0.84%           | 14'000 CHF    |
+----------------------------------------------+--------------------+---------------+
| Crédit Agricole Financements (Suisse) SA     | 1.08%              | 8'000 CHF     |
+----------------------------------------------+--------------------+---------------+
| Migros Bank                                  | 1.25%              | 3'750 CHF     |
+----------------------------------------------+--------------------+---------------+
| Lienhardt & Partner Privatbank Zürich        | 1.25%              | 3'750 CHF     |
+----------------------------------------------+--------------------+---------------+
| PostFinance                                  | 1.25%              | 3'750 CHF     |
+----------------------------------------------+--------------------+---------------+
| Bank BSU                                     | 1.26%              | 3'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| Credit Suisse                                | 1.27%              | 3'250 CHF     |
+----------------------------------------------+--------------------+---------------+
| Zürcher Kantonalbank                         | 1.27%              | 3'250 CHF     |
+----------------------------------------------+--------------------+---------------+
| Graubündner Kantonalbank                     | 1.27%              | 3'250 CHF     |
+----------------------------------------------+--------------------+---------------+
| Clientis Zürcher Regionalbank Genossenschaft | 1.27%              | 3'250 CHF     |
+----------------------------------------------+--------------------+---------------+
| Raiffeisen 2                                 | 1.28%              | 3'000 CHF     |
+----------------------------------------------+--------------------+---------------+
| Bank Coop                                    | 1.29%              | 2'750 CHF     |
+----------------------------------------------+--------------------+---------------+
| Valiant Bank                                 | 1.29%              | 2'750 CHF     |
+----------------------------------------------+--------------------+---------------+
| Basler Kantonalbank                          | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| St.Galler Kantonalbank                       | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| Zuger Kantonalbank                           | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| Baloise Bank SoBa                            | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| Regiobank Solothurn                          | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| Glarner Kantonalbank                         | 1.30%              | 2'500 CHF     |
+----------------------------------------------+--------------------+---------------+
| WIR Bank                                     | 1.32%              | 2'000 CHF     |
+----------------------------------------------+--------------------+---------------+
| Clientis BS Bank Schaffhausen                | 1.35%              | 1'250 CHF     |
+----------------------------------------------+--------------------+---------------+
| BPS (Suisse)                                 | 1.38%              | 625 CHF       |
+----------------------------------------------+--------------------+---------------+
| SLR - meine Bank                             | 1.40%              | 0 CHF         |
+----------------------------------------------+--------------------+---------------+

1) Nutzer von comparis.ch konnten bei der Schwester-Firma HypoPlus in den letzten 7 Tagen die angebenen Konditionen erreichen. HypoPlus ist spezialisiert auf die Beratung und Vermittlung von Hypotheken.
2) Empfehlung von Raiffeisen Schweiz für die Mitgliedsinstitute.

Hypotheken im unabhängigen Schweizer Vergleich - Moneyland

Angaben:
 Objekt Hauptwohnsitz
 Betrag 300'000 CHF
 Hypothekarmodell: Festhypothek 5 Jahre
 Berechnung des Sparvorteils für: 5 Jahre
 Kanton Ganze Schweiz
 Stand: 08.09.2015, Quelle: Moneyland

+----------------------------------+------------------------------------+---------------+---------------+
| Anbieter                         | Name der Hypothek                  | Richtzinssatz | Sparvorteil   |
+----------------------------------+------------------------------------+---------------+---------------+
| Homegate Festhypothek            | Mindestzins. Je nach Profil teurer | 0.82%         | CHF 16'200.00 |
+----------------------------------+------------------------------------+---------------+---------------+
| Swissquote Festzinshypothek      | Online-Festhypothek (BLKB)         | 0.84%         | CHF 15'900.00 |
+----------------------------------+------------------------------------+---------------+---------------+
| GLKB Hypomat Festhypothek        | Online-Festhypothek                | 0.86%         | CHF 15'600.00 |
+----------------------------------+------------------------------------+---------------+---------------+
| CA FIXIMMO                       | Festhypothek                       | 1.08%         | CHF 12'300.00 |
+----------------------------------+------------------------------------+---------------+---------------+
| family-net Festzins-Hypothek     | Festhypothek                       | 1.15%         | CHF 11'250.00 |
+----------------------------------+------------------------------------+---------------+---------------+
| PostFinance Festhypothek         | Festhypothek                       | 1.25%         | CHF 9'750.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Migros Bank Festhypothek         | Festhypothek                       | 1.25%         | CHF 9'750.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Swiss Life Festhypothek          | Festhypothek                       | 1.26%         | CHF 9'600.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| ZKB Festhypothek                 | Festhypothek                       | 1.27%         | CHF 9'450.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Clientis Zürich Festhypothek     | Festhypothek                       | 1.27%         | CHF 9'450.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Raiffeisen Festhypothek          | Festhypothek                       | 1.28%         | CHF 9'300.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Bank Coop Festhypothek           | Festhypothek                       | 1.29%         | CHF 9'150.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Zuger KB Festhypothek            | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Regiobank Solothurn Festhypothek | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Hypothekarbank Lenzburg Fix      | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| SGKB Festhypothek                | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| BKB Festhypothek                 | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Baloise Festhypothek             | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| GLKB Festhypothek                | Festhypothek                       | 1.3%          | CHF 9'000.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| WIR Festhypothek                 | Festhypothek                       | 1.32%         | CHF 8'700.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| GKB Festhypothek                 | Festhypothek                       | 1.32%         | CHF 8'700.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Credit Suisse Fix-Hypothek       | Festhypothek                       | 1.32%         | CHF 8'700.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Zurich Festhypothek              | Festhypothek                       | 1.33%         | CHF 8'550.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Valiant Festhypothek             | Festhypothek                       | 1.35%         | CHF 8'250.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| BPS Festhypothek                 | Festhypothek                       | 1.425%        | CHF 7'125.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Generali Festzins-Hypothek       | Festhypothek                       | 1.45%         | CHF 6'750.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Allianz Festhypothek             | Festhypothek                       | 1.65%         | CHF 3'750.00  |
+----------------------------------+------------------------------------+---------------+---------------+
| Helvetia Festhypothek            | Festhypothek                       | 1.9%          | -             |
+----------------------------------+------------------------------------+---------------+---------------+