The Alpha - PIC Standard Mortgage

A minimum of 20% from your own resources, payable as:

• 15% on signing the contract
• 5% on delivery of the property

A maximum of 80% as a mortgage loan, with payments calculated over 35 years subject to age restriction (Maximum 70 years at end of term)

Interest rate: Bank margin of 1.75% plus the three month LIBOR rate on CHF

Capital and interest are repayable at the same time for the duration of the loan

The Alpha - PIC Flexi Mortgage

A minimum of 20% from your own resources, payable as:

• 15% on signing the contract
• 5% on delivery of the property

A maximum of 80% as a mortgage loan, with payments calculated over 35 years subject to age restriction (Maximum 70 years at end of term)

Interest rate: Bank margin of 1.75% plus the three month LIBOR rate on CHF

Repayments:

• For the first 5 years - interest only
• For the next 5 years - interest plus capital
• Remainder of term - interest plus capital, including the postponed capital sum due from the first 5 years

The Alpha - PIC Interest Only Mortgage

A minimum of 30% from your own resources, payable as:

• 15% on signing the contract
• 10% within the first year of signing
• 5% on delivery of the property

Interest rate: Bank margin of 2.5% plus the three month LIBOR rate on CHF

Repayments: The client may negotiate with the bank to establish the repayment schedule, with the interest figure as the minimum sum

In all cases:

Payments will be drawn down against building progress and the interest will start to accrue from the date of the first draw down

A 'grace period' within the full term of the loan means that the first repayment will be made one month after taking delivery of the property

Mortgages may be reduced by lump sum payments or paid off in full with no penalty