Swiss National Bank · monthly
New lending rates
1.4
2009-05-01 – 2026-02-01
The rate banks actually charge on newly agreed loans, broken down by product and by maturity bucket, and reported as a full distribution rather than a single number. For each product/maturity cell the cube gives the mean, the 25% quantile, the median, the 75% quantile and the count of loan agreements (AK). That quantile spread is the distinctive feature: it shows the dispersion of pricing across borrowers, not just the average. Products cover fixed-rate mortgages, base-rate-linked variable mortgages and fixed-rate investment loans, each across up to ten maturity buckets from "over 1 month" to "over 10 up to 15 years". History starts 2009-05.
Recent values
| Date | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years | Maturity of over 3 years up to 5 years |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025-03-01 | 1.66 | 1.08 | 1.98 | 1.35 | 2.32 | 41.0 | 1.54 | 1.06 | 1.5 | 1.3 | 1.21 | 187.0 | 173.0 | 0.96 | 1.7 |
| 2025-04-01 | 2.05 | 1.03 | 1.96 | 1.21 | 2.52 | 41.0 | 1.44 | 1.0 | 1.4 | 1.25 | 1.1 | 152.0 | 185.0 | 0.95 | 1.59 |
| 2025-05-01 | 1.38 | 1.08 | 1.73 | 1.12 | 2.2 | 32.0 | 1.4 | 1.06 | 1.35 | 1.19 | 1.13 | 128.0 | 186.0 | 0.96 | 1.59 |
| 2025-06-01 | 1.25 | 0.9 | 1.58 | 1.0 | 1.97 | 67.0 | 1.38 | 0.9 | 1.31 | 1.15 | 1.0 | 206.0 | 176.0 | 0.76 | 1.54 |
| 2025-07-01 | 1.42 | 0.93 | 1.85 | 1.15 | 2.25 | 39.0 | 1.42 | 0.9 | 1.35 | 1.2 | 1.0 | 168.0 | 216.0 | 0.8 | 1.5 |
| 2025-08-01 | 1.3 | 0.9 | 1.49 | 1.23 | 1.73 | 23.0 | 1.36 | 0.9 | 1.3 | 1.1 | 1.0 | 96.0 | 111.0 | 0.8 | 1.55 |
| 2025-09-01 | 1.34 | 0.96 | 1.52 | 1.1 | 1.7 | 50.0 | 1.36 | 0.9 | 1.3 | 1.15 | 1.1 | 184.0 | 142.0 | 0.8 | 1.54 |
| 2025-10-01 | 1.39 | 0.95 | 1.51 | 1.09 | 1.73 | 33.0 | 1.35 | 0.9 | 1.28 | 1.1 | 1.0 | 145.0 | 180.0 | 0.8 | 1.5 |
| 2025-11-01 | 1.3 | 0.99 | 1.47 | 1.06 | 1.59 | 43.0 | 1.36 | 0.98 | 1.26 | 1.12 | 1.1 | 134.0 | 166.0 | 0.8 | 1.5 |
| 2025-12-01 | 1.45 | 0.97 | 1.74 | 1.2 | 2.08 | 69.0 | 1.37 | 0.92 | 1.35 | 1.2 | 1.05 | 318.0 | 305.0 | 0.8 | 1.49 |
| 2026-01-01 | 1.33 | 0.98 | 1.42 | 1.1 | 1.55 | 47.0 | 1.4 | 0.95 | 1.37 | 1.19 | 1.1 | 206.0 | 206.0 | 0.85 | 1.56 |
| 2026-02-01 | 1.39 | 0.95 | 1.56 | 1.12 | 1.63 | 40.0 | 1.35 | 0.9 | 1.27 | 1.1 | 1.1 | 122.0 | 192.0 | 0.75 | 1.51 |