PVK Personalvorsorgekasse der Stadt Bern
Personalvorsorgekasse der Stadt Bern (PVK) is the pension scheme of the city of Bern staff 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
- Variable, Fixed 2–10 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 | 1.21 % |
| Fixed 3 years | 1.29 % |
| Fixed 4 years | 1.36 % |
| Fixed 5 years | 1.41 % |
| Fixed 6 years | 1.46 % |
| Fixed 7 years | 1.52 % |
| Fixed 8 years | 1.57 % |
| Fixed 9 years | 1.61 % |
| Fixed 10 years | 1.65 % |
Automatically collected guide rates — last synchronised on 19 August 2026. Not an offer — only the provider's own terms apply.
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Read moreIs PVK Personalvorsorgekasse der Stadt Bern the right fit for your project?
Start the comparison — we will show you how PVK Personalvorsorgekasse der Stadt Bern compares with all other providers for your property use and term.
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