Marché hypothécaire suisse : baisse des assurances, hausse des fonds de pension
Zurich – 29 Février 2024 –
Le marché hypothécaire suisse connaît une transformation notable, comme le révèle une récente analyze de SDA/OSC. Les compagnies d’assurance voient leur part de marché diminuer significativement (-39% à 19%), tandis que les fonds de pension enregistrent une croissance substantielle (+56% à 14%). Ce changement s’inscrit dans un contexte plus large de préférences changeantes des acheteurs et d’une dynamique de taux d’intérêt en évolution.Cette évolution du paysage financier suisse mérite une analyse approfondie pour comprendre ses implications à long terme.
Summary of the Article: swiss Mortgage Trends
This article discusses recent trends in the Swiss mortgage market, highlighting a shift towards shorter loan terms and increased demand for Saron mortgages. Here’s a breakdown of the key points:
Shorter Loan Terms Preferred: Homebuyers are increasingly opting for mortgage terms of 5-9 years, rather than longer-term loans.
Regional Differences in Saron Adoption: Saron mortgages (linked to the Swiss Average Reference Rate) are more popular in german-speaking Switzerland (19% market share) than in French-speaking Switzerland (7% market share).
Saron as a Flexible Option: Lenders are increasingly offering Saron mortgages, either as an alternative to short-term loans or as a second tranche alongside a fixed-rate mortgage, allowing borrowers to maintain flexibility and benefit from current low interest rates. Saron accounts for 10% of first mortgages and over 20% of second mortgages.
Banks Gain Market Share: Banks have increased their market share to 67% (up 12% year-over-year), largely due to the rising demand for Saron mortgages, which are not offered by insurance companies or pension funds.
* Decline for insurance & Growth for Pension Funds: Insurance companies have seen a significant decrease in market share (-39% to 19%), while pension funds have experienced growth (+56% to 14%).
Source: SDA / OSC (Swiss news Agency)
