Reference interest rate: 1.25% — as of September 2025

Are you entitled to a
rent reduction?

The Swiss reference interest rate has dropped. If your lease was based on a higher rate, you have the legal right to reduce your rent. Check in 2 minutes — for free.

No login · No subscription · Free letter

CHF 93.–
avg. monthly savings with 1-step reduction
Art. 270a CO
Legal basis — no lawyer needed
2 minutes
From check to ready letter

How it works

Three steps — done. All you need is your lease.

1

Scan your lease

Take a photo of your lease with your phone or enter the rent and reference rate manually.

2

Calculate entitlement

We instantly calculate whether you're entitled and how much you save monthly and yearly.

3

Send the letter

Download the legally correct reduction letter for free, or have it sent by registered mail for CHF 9.90.

How is the reduction calculated?

Legal basis: Art. 270a CO (Swiss Code of Obligations)

Step 1
Determine difference
Contract rate − current reference rate = difference
Step 2
Count steps
Each 0.25% reduction equals one step
Step 3
Calculate reduction
Each step entitles you to reduce net rent by 2.91%
Step 4
New rent
Current rent × (1 − reduction%) = new rent

Frequently Asked Questions

When am I entitled?

When the reference interest rate has fallen since you signed your lease. For example, if your contract states 1.75% and the current rate is 1.50%, you're entitled.

Does my landlord have to agree?

No. The entitlement exists upon first written request. The landlord can only refuse if they can demonstrate other increased costs — which they must prove.

Do I need a lawyer?

No. The process is clearly defined by law. With our letter you have everything you need. If refused, the rental conciliation authority is available for free.

What does it cost?

Checking and downloading the letter are free. For CHF 9.90 you can have the letter sent by registered post to your landlord — no trip to the post office needed.

My lease is in German — can the app handle that?

Yes, the text recognition is optimised for Swiss leases in German. For manual entry, you only need two numbers: net rent and the reference rate in your contract.

Check your entitlement now

Free, in 2 minutes, no login. Thousands of Swiss tenants are entitled — get what's yours.

Check now