Most Swiss homeowners are told there are two ways to pay down a mortgage, that one of them is “better,” and that they should stop asking questions. This is a good moment to start asking questions. This article walks through direct versus indirect amortisation, then does the thing your bank advisor is not paid to do: it prices the opportunity cost of every franc you lock away. If you enjoy watching a “simple” decision turn into a small spreadsheet, you are among friends. ...