Mortgages that adjust to your needs
With our different mortgage models, you can realise your dream of owning your own home or buying the property you've always longed for. Regardless of what you decide – our focus is always on your needs, and we are the partner at your side.
Depending on your goals and needs, we can offer you a wide variety of solutions. And no matter how diverse the mortgage models are, they all have one thing in common: They are based on interest rates that are either variable or fixed for a certain period of time. We use both to your advantage and combine different models for flexible solutions.
Building financing – total flexibility during the building period
Building, reconstruction, and renovation projects can be realised simply and cost-efficiently with our building financing. From the start, building projekts are settled with a mortgage. The mortgage is paid out in instalments along the building progress and debited to the building account. Contractor invoices are paid from that account. The chosen mortgage product defines the interest rate and credit commissions do not apply.
Fixed-rate mortgage – for long-term planning
The interest rate does not change, giving you the option of precisely budgeting the financial burden. Profit from reliable planning of your expenses. The term of this model is always between two and ten years. Interest is calculated every six months, so you always know when costs are due.Extend your fixed-rate mortgage online in your LLB e-banking 90 days before it expires or contact your client advisor.
Money Market mortgage – benefit from market-based interest rates
The interest rate of the Money Market mortgage is based on the SARON (Swiss Average Rate Overnight) and is adjusted monthly or quarterly. If you are expecting stable or falling interest rates but still would like to enter a long-term product commitment with a fixed margin, then the Money Market mortgage is the right choice for you. The contract term runs for 2, 3, 4 or 5 years.
Money Market Flex mortgage – your flexible mortgage solution
The interest rate of the Money Market Flex mortgage is based on the SARON (Swiss Average Rate Overnight). If you are expecting stable or falling interest rates and would like full flexibility when it comes to amortisation and switching to another mortgage product, then the Money Market Flex mortgage is the right choice for you. The term of the Money Market Flex mortgage is one or three months and, where agreed, is renewed automatically for the same term.
Variable basic mortgage – stay on track
This is your mortgage for the financing of smaller renovations of your property. The variable basic mortgage is based on the SARON (Swiss Average Rate Overnight) Compoung and is adjusted half-yearly. The minimum amount for a variable basic mortgage is CHF 20,000. The contract period is six months.
Environmental mortgage – your project in Liechtenstein and Switzerland
Would you like to invest – in new buildings with the Minergie rating, passive houses, or comparable alternative energy standards? Then our environmental mortgage is especially worthwhile for you. You benefit from our preferential conditions – also for renovations and conversions including replacement of fossil heating systems of Minergie-certified buildings. The term of the mortgage is five years. After that, you can choose from all other mortgage products for further financing.
- Financing options tailored to your personal situation
- Forward-looking and reliable liquidity planning throughout the entire construction phase and after completion
- Free financial and pension planning with our advisors
- Combination of your mortgage with TRIA financial and pension planning products
Online mortgage extension
You can conveniently complete the procedure for extending your fixed-rate or Money Market mortgage online in our e-banking system. Depending upon the particular financing product you have, you can agree on an extension up to one year before expiry. It is also possible to change to another product. In addition, you can benefit from an attractive online discount.
Mortgage and Real Estate Credit Act (HIKG) in Liechtenstein
On April 1, 2021, the new Mortgage and Real Estate Credit Act (HIKG) has come into effect in Liechtenstein. On this date a variety of changes for consumers have come into effect. More details can be found on www.llb.li/hikg-en.
It's the details that count
Obtain individualised financing – and benefit personally. No matter which building project you are planning, we will respond to your needs and find a model that suits you.
Easy to change
Do you value even more versatility?
Obtain financing that is versatile and far-sighted – we have the right solutions for you and your goals and needs.
Financial and pension advice
Our comprehensive financial and pension advice keeps an eye on all the important details for every phase of your life and offers ideal solutions for you.
Let us advise you on your possibilities
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A good fit for your individual situation – together, we will find the best solution for you.