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Swiss Mortgage Rates Just Surged: Is 1.63% the New Normal or a Temporary Spike?

Switzerland

Dec 16, 2025

Swiss Mortgage Rates Just Surged: Is 1.63% the New Normal or a Temporary Spike?

A Zurich buyer saw 10-year fixed rates jump from 1.49% to 1.63% in two months. We dissect what’s driving the surge, what the SNB’s silence means, and whether you should lock in now or wait.

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