For marketing purposes

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No surprises
With a UBS Fixed-Rate Mortgage you are protected
against rising interest rates

With a UBS Fixed-Rate Mortgage, calculating your costs

is easy and you know how much interest you have

Interest rate
to plan for. The principal, term and interest rate for the
in %
entire period of the loan are fixed in advance. This is a
particular advantage if you expect interest rates to rise. Initial disbursement Extension/Follow-up financing

Term
Years
Y1 Y2 Y3 Y4 Y5 Y6 Y7 Y1 Y2 Y3 Y4 Y5 Y6 Y7
The idea in CHF

The UBS Fixed-Rate Mortgage is based on the idea of covering –100,000

Loan amount
your financing needs for your real estate at a clearly calculable –200,000

fixed rate of interest. –300,000 UBS Fixed-Rate Mortgage I

–400,000
UBS Fixed-Rate Mortgage II
–500,000
Secure cost planning thanks to a fixed rate of interest
Building or buying real estate is a significant investment and Chart is for illustrative purposes only
a long-term financial commitment. With the UBS Fixed-Rate
Mortgage, we offer you a solution for your real estate financing
needs that lets you calculate your expenses in advance. The You can opt to fix the interest rate of your mortgage up to
principal, interest rate and any amortization payments due are twelve months in advance of the loan disbursement by paying
fixed from the outset, generally for a term of between one an additional interest fee. The earlier you want to fix your rate,
and seven years. This means that calculating your costs is easy the higher this additional interest fee will usually be.
throughout this period, and you are protected from any
increases in interest rates, although it also means that you Conditions
won’t benefit from any interest rate reductions either. When Currency CHF
the contract expires, the general level of interest rates may Interest rate Fixed for the entire term, interest rate
be higher than the interest rate you have been paying for your on request
UBS Fixed-Rate Mortgage. You would then have to reckon Credit commission None
with higher interest payments for the subsequent financing.
Term 1–7 years, longer terms on request
We therefore recommend combining various different terms
Amortization In accordance with the contractual terms may
in order to diversify your interest rate risk.
payments be made without incurring a charge
Regular The UBS Fixed-Rate Mortgage lapses after the
How the UBS Fixed-Rate Mortgage works
termination expiry of the agreed term without the need
After the loan documents have been signed and all contractual for notice of termination
terms and conditions have been met, we will disburse the
UBS Fixed-Rate Mortgage on the date you have chosen for the
payout. The amount, term and interest rate for the entire What you need to know
period of the loan are fixed in advance. We will transfer the • Long-term capital and interest rate commitment
amount paid out to your UBS Current Account or in accordance • Clear calculation basis due to a fixed rate of interest
with your instructions. Interest and amortization payments throughout the entire term
are debited directly to your UBS Current Account on a quarterly • Option to fix the interest rate in advance
basis. At the expiry of the agreed term the UBS Fixed-Rate
Mortgage lapses.

For all your questions

UBS Switzerland AG
P.O. Box ubs.com/sme
8098 Zurich UBS Client Management Corporations 0844 853 004

This publication is intended for information purposes only and is not intended as a recommendation, an offer or a solicitation of an offer. Before making a decision, you should obtain
appropriate professional advice. Please note that UBS reserves the right to alter its services, products and prices at any time without prior notice. Certain products and services
are subject to legal restrictions and cannot therefore be offered worldwide on an unrestricted basis. Reproduction in whole or part is prohibited without prior permission of UBS.
© UBS 2016. The key symbol and UBS are registered and/or unregistered trademarks of UBS. All rights reserved. July 2016.