Taux Radar methodology

The panel brings together Swiss institutions that publish their rates online: cantonal banks, large banks, online banks, insurers and pension funds. For analysis they are grouped into three types of lender: cantonal banks, large and online banks, and insurers and pension funds.

A type of lender is published only if it includes at least three institutions. Families are grouped to reach this threshold, so that no rate can be traced back to a specific institution.

Taux Radar measures the indicative mortgage rates that institutions publish themselves on their websites: fixed rates from 1 to 25 years and SARON rates. An indicative rate is a publicly displayed rate, not an offer.

It is not the rate you will get: each lender adjusts its rate to the application. Taux Radar is a reference point to place the market before a specific situation is analysed.

Every morning, an automatic programme records the rates displayed by each institution in the panel, for each term offered.

A rate not updated for more than 7 days is excluded from the calculation, as is a zero or negative rate.

One history point is recorded every day, which makes it possible to show how the averages move.

For each term (fixed rate from 1 to 25 years, SARON), we calculate the simple average of the rates published by the institutions, along with the minimum and the maximum. The average is not weighted by the size of the institutions.

An average by type of lender is published only when at least three institutions in the group offer the term. Otherwise the cell stays empty (n/a). On the pages for each term, no average is shown when fewer than three institutions publish the term.

Averages are calculated to three decimal places and rounded to two for display. A change of less than 0.05 pt is described as stable.

SARON and the SNB policy rate come from the data portal of the Swiss National Bank (data.snb.ch, cube snbgwdzid). We show the latest known value of a business day and the month-end values since June 2019.

The yields on Swiss Confederation bonds, shown as a reference on the rate trend chart, come from the same portal (cube rendeiduebd). They are market rates, not lender rates.

No institution is named on the public pages of Taux Radar and we publish no ranking: Taux Radar is not a comparison site. The minimum and maximum for a term are shown without saying which institution offers them.

The rates collected institution by institution stay internal. Our advisors use them to know which lenders to approach for your application.

Taux Radar rates are indicative and non-binding. They are neither a financing offer nor advice.

The rate you will get depends on your application: equity, income, property, amortisation. It may differ from the published rate.

The panel does not cover the whole market: some lenders do not publish their rates. There is also a delay between an institution publishing a rate and Taux Radar recording it.