Borrow in euros or francs: test exchange-rate risk
Repayments and debt: both sides of exchange-rate risk.
Currency & housing
Mortgage protection savings: same term, same capital
Before talking about savings, put both insurance options on the same footing: capital, insured share and term.
Editable example · calculation assumptions, not an offer
Alperea Assurances
Your calculation
Assumed constant premiums on the capital entered, over an identical term. Insurance based on a reducing outstanding balance must be compared using its actual premium schedule. A negative difference means the alternative costs more.
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Scenario kept on this page
Understanding this result
Quantify the difference without inventing a quote.
Each annual premium is the capital entered multiplied by the annual premium rate and insured share. The monthly difference is added up over the selected term. These assumptions suit constant premiums on initial capital; they do not replace a comparison of reducing premium schedules.
Is the alternative rate an Alperea offer?
No. It is an example you can replace with a rate you have been offered. An actual quote depends on your circumstances, and the cover must be compared before replacing a policy.
Sources and method
Method checked on Oct 21, 2026
