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@ayosyrene From the article on thepoorSwiss / mustachianpost website I saw that if you choose the durations to end at same time you can change the banks and renegotiate the conditions. Example 5 years and 10 years.

Hi guys, I tried to find an answer in this subreddit and also on the pages of the Swiss banks that offer mortgages but I can’t seem to comprehend yet the aspects of the second mortgage. In which situation a second mortgage can help? Can I for example reduce my monthly payment or is it just for...