BVK Personalvorsorge
BVK is the pension scheme of the canton of Zurich staff and one of Switzerland's largest pension funds. It grants mortgages directly from its investment assets — which puts its rates among the lowest in the market, with correspondingly strict lending criteria.
- Regularly the lowest rates in the comparison
- Direct lending without intermediaries
- Solid, long-term oriented sponsor
Key facts
- Category
- Pension fund
- Models & terms
- Variable, Fixed 2–12 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| Variable | 2.50 % |
| Fixed 2 years | 1.23 % |
| Fixed 3 years | 1.29 % |
| Fixed 4 years | 1.36 % |
| Fixed 5 years | 1.41 % |
| Fixed 6 years | 1.45 % |
| Fixed 7 years | 1.51 % |
| Fixed 8 years | 1.55 % |
| Fixed 9 years | 1.58 % |
| Fixed 10 years | 1.62 % |
| Fixed 11 years | 1.69 % |
| Fixed 12 years | 1.73 % |
Automatically collected guide rates — last synchronised on 18 August 2026. Not an offer — only the provider's own terms apply.
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Read moreIs BVK Personalvorsorge the right fit for your project?
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