The mortgage reference interest rate was set at 1.5 per cent, which corresponds to a reduction of 0.25 percentage points compared to the last published rate. This change is based on the volume-weighted average interest rate for domestic mortgage receivables, which fell from 1.63% to 1.53% as at 31 December 2024. The new reference interest rate will apply from 4 March 2025 and will remain in place until the average interest rate falls below 1.38% or rises above 1.62%.<\/p>\n\n\n\n
Effects on tenancies<\/strong> If the previous rent is already based on a reference interest rate of 1.5 per cent, there is no entitlement to an adjustment. If the reference interest rate is 1.25 per cent, the landlord’s entitlement to an increase is generally reduced to 3 per cent.<\/p>\n\n\n\n Exceptions and additional factors<\/strong> In addition to the reference interest rate, other factors such as changes in the national consumer price index (inflation) and changes in maintenance and operating costs can influence the rent structure. These factors may have to be included in the calculation.<\/p>\n\n\n\n Quarterly adjustment<\/strong> This article provides a comprehensive and forward-looking overview of the effects of the reduction in the mortgage reference interest rate on tenancies in Switzerland.<\/p>\n","protected":false},"excerpt":{"rendered":" The mortgage reference interest rate, which is decisive for setting rents in Switzerland, has been lowered to 1.5 per cent. This change has a direct impact on tenancies and offers tenants the opportunity to demand a rent reduction. A powerful and forward-looking look at developments in the property market.<\/p>\n","protected":false},"author":2,"featured_media":80907,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pmpro_default_level":"","_surecart_dashboard_logo_width":"180px","_surecart_dashboard_show_logo":true,"_surecart_dashboard_navigation_orders":true,"_surecart_dashboard_navigation_invoices":true,"_surecart_dashboard_navigation_subscriptions":true,"_surecart_dashboard_navigation_downloads":true,"_surecart_dashboard_navigation_billing":true,"_surecart_dashboard_navigation_account":true,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[12481,12476,12487,22305,22433],"tags":[],"class_list":["post-127554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-en","category-immonews","category-regions-en","category-switzerland","category-trends-en","pmpro-has-access"],"acf":{"bild_mit_ki_erstellt_worden":[],"lead":"Der hypothekarische Referenzzinssatz, der f\u00fcr die Mietzinsgestaltung in der Schweiz massgeblich ist, wurde auf 1,5 Prozent gesenkt. Diese \u00c4nderung hat direkte Auswirkungen auf Mietverh\u00e4ltnisse und bietet Mietenden die M\u00f6glichkeit, eine Mietzinsreduktion zu fordern. Ein kraftvoller und zukunftsorientierter Blick auf die Entwicklungen im Immobilienmarkt.","autor":"Quelle: Admin","ort":"","bildunterschrift":"","zusammenfassung":"","bild_im_grid":false,"gallerie":"","newsim":"313"},"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t
The reduction in the reference interest rate by 0.25 percentage points can mean a reduction of up to 2.91 per cent for tenants, provided the previous rent was based on a reference interest rate of 1.75 per cent. If the reference interest rate is higher than 1.75 per cent, the rent reduction is correspondingly greater.<\/p>\n\n\n\n
Tenancy agreements with indexed or staggered rents and turnover rents for commercial premises are exempt from these regulations. Special regulations may also apply to subsidised flats.<\/p>\n\n\n\n
The mortgage reference interest rate is announced quarterly by the Federal Housing Office (BWO) and published on the www.referenzzinssatz.admin.ch website. The next announcement is scheduled for 2 June 2025.<\/p>\n\n\n\n