Showing Liechtenstein because that’s where you are.
Liechtenstein 💰 CHF Last updated2026-05-28 Hypothek Calculator
Liechtenstein
A mortgage of 900,000 CHF at 2.1% over 25 years works out to a monthly payment of about CHF 3'859, with total interest of CHF 257'597 over the full term.
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Local context Hypotheks in Liechtenstein
Market overview
Liechtenstein's mortgage market is led by LGT Bank, VP Bank, and Liechtensteinische Landesbank (LLB), all global private-banking institutions that also run substantial domestic retail mortgage books. The Swiss franc is used as legal tender under the 1980 Currency Treaty with Switzerland, so all mortgages are CHF-denominated and rates track the Swiss National Bank (SNB) policy rate plus a thin spread. The Financial Market Authority Liechtenstein (FMA) supervises lenders under EEA-aligned rules, and acquiring residential property typically requires either Liechtenstein citizenship or long residence.
Why 2.1% is the typical rate
A rate near 2.1% reflects the SNB policy rate (which moved between 0.5% and 1.75% through the 2023-2025 cycle), CHF safe-haven funding advantage, and strong private-bank competition for prime mortgages.
Tax & regulatory notes
Real estate gains tax (Grundstückgewinnsteuer) applies to sellers on a progressive scale up to 24%, while buyers pay a transfer levy of roughly 1-3% depending on commune plus notary fees. Mortgages are registered in the Grundbuch (land register) under the Personen- und Gesellschaftsrecht (PGR). The FMA enforces affordability rules requiring mortgages to be sustainable at a calculated rate of 5%, with maximum LTV of 80% and amortization to two-thirds LTV within 15 years.
A mortgage of 900,000 CHF at 2.1% over 25 years
CHF 900'000 2.1% 25 years (300 months) CHF 3'859 CHF 257'597 CHF 1'157'597 
