Pensionskasse SBB
Pensionskasse SBB is the pension scheme of the Swiss Federal Railways and one of the country's largest pension funds and grants mortgages directly from its investment assets. Thanks to low distribution costs, pension funds are regularly among the cheapest providers — with correspondingly conservative lending criteria, usually for owner-occupied homes.
- Often very low interest rates
- Direct lending from investment assets
- Conservative, stable lending policy
Key facts
- Category
- Pension fund
- Models & terms
- Fixed 3–10 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| Fixed 3 years | 1.32 % |
| Fixed 4 years | 1.40 % |
| Fixed 5 years | 1.46 % |
| Fixed 6 years | 1.51 % |
| Fixed 7 years | 1.56 % |
| Fixed 8 years | 1.62 % |
| Fixed 9 years | 1.67 % |
| Fixed 10 years | 1.73 % |
Automatically collected guide rates — last synchronised on 19 August 2026. Not an offer — only the provider's own terms apply.
Related guides
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Read moreWhy the Swiss never repay their mortgage – and what changes in 2029
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Read moreIs Pensionskasse SBB the right fit for your project?
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