Swiss banks pay extra for loans?
A number of Swiss banks, notably Zuger Kantonalbank and Graubündner Kantonalbank, have started to lend to their customers at a very low or even zero rate.
This is due to the historically low interest rate of the National Bank of Switzerland - 0.75% per annum. As a result, credit institutions have to pay extra to the regulator for the storage of excess funds.
Therefore, it is more profitable for banks to provide loans at a very low or zero rate.
On materials of the following website: https://www.snb.ch/de/iabout/stat/statrep/id/current_interest_exchange_rates#t2
https://www.gkb.ch/de/private/hypotheken-kredite/service/zinsen
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