Reference rate and rent adjustment
1.25 % current mortgage reference rate, valid since 02.09.2025
If the reference rate is below the rate your rent is based on, tenants can request a reduction. If it rises, the landlord may increase the rent. The calculator shows the guide value – including inflation and general cost increases if you enter them.
Calculate the rent adjustment
Current rate 1.25 %: adjustment by the rate in your lease
Reference rate only, without inflation or cost increases.
| Rate in lease | Net rent adjustment |
|---|---|
| 3.50 % | −21.26 % |
| 3.00 % | −17.36 % |
| 2.75 % | −15.25 % |
| 2.50 % | −13.04 % |
| 2.25 % | −10.71 % |
| 2.00 % | −8.26 % |
| 1.75 % | −5.66 % |
| 1.50 % | −2.91 % |
| 1.00 % | +3.00 % |
Frequently asked questions
What is the current reference rate?
The mortgage reference rate is 1.25 % and has applied since 02.09.2025. The Federal Office for Housing (FOH) publishes it quarterly, at the beginning of March, June, September and December.
How much does rent fall when the reference rate falls?
About 2.91% of the net rent per 0.25 percentage points. The landlord may offset 40% of inflation and the general cost increase since the rent was last set.
How much may rent rise when the reference rate rises?
With a rate below 5%, by 3% per 0.25 percentage points (Art. 13 VMWG). The increase must be notified using the official form.
How is inflation taken into account?
The landlord may pass on 40% of the change in the Swiss consumer price index since the rent was last set (Art. 16 VMWG).
How do I request a reduction?
In writing to the landlord for the next termination date. If they do not reply within 30 days or refuse, you can apply to the conciliation authority within a further 30 days (Art. 270a CO).
Source: Federal Office for Housing FOH. Reference rate at the FOH