---
title: "Posted mortgage and credit rates"
method: GET
path: "/api/v1/snb/mortgage-rates"
tags: ["Central Banks & Monetary"]
---

# Posted mortgage and credit rates

`GET /api/v1/snb/mortgage-rates`

Posted rates on current account advance facilities, variable mortgages (with and without a base rate link), fixed-rate mortgages and investment loans with fixed rates (cube `zikreddet`).

## Response `200`

Cube zikreddet: posted rates by product type.

- EnvelopeSnbMortgageRatesResult
  - `data` SnbMortgageRatesResult, required — Posted mortgage and credit rates (cube zikreddet).
    - `cube_id` string, required — SNB cube identifier.
    - `latest_date` string, required — Newest observation date across all series in the cube.
    - `timeseries` SnbTimeseries[], required — Array of cube slices, one per dimension combination.
      - `header` SnbHeaderItem[], required — List of dimension-item pairs identifying this slice.
        - `dim` string, required — Dimension name (e.g. 'Currency', 'Overview').
        - `dimItem` string, required — Dimension item label identifying this slice of the cube.
      - `metadata` SnbMetadata, required
        - `key` string, required — SNB internal series key (e.g. 'EPB@SNB.devkum{M0,EUR1}').
        - `frequency` string, required — ISO 8601 duration code: P1D_L daily, P1M monthly, P1Q quarterly, P1Y annual.
        - `scale` string — Scale factor exponent (empty string means unscaled).
        - `unit` string — Unit of measure when supplied by the source (e.g. 'CHF').
      - `values` SnbObservation[], required — Chronological observations, oldest first.
        - `date` string, required — Observation date - 'YYYY-MM-DD' for daily cubes, 'YYYY-MM' for monthly cubes, 'YYYY' for annual cubes.
        - `value` number, nullable — Numeric observation value, or null when suppressed.
  - `meta` SugraMeta, required — Metadata attached to every /api/v1/* response envelope.
    - `endpoint` string, required — Requested endpoint path.
    - `data_time` string, required — ISO 8601 UTC timestamp of the source data, not of the request.
    - `response_time` string, required — ISO 8601 UTC timestamp when this response was produced.
    - `provider` string, required — API name and version.
    - `source` string, nullable — Identifier of the primary upstream source used for this response.
    - `attribution` string, nullable — Human-readable attribution mandated by an upstream source (e.g. a securities regulator or self-regulatory organization). Present only on responses whose source requires the owner and source to be clearly identified. Do not remove or alter it when using the response.
    - `fallback_used` boolean, nullable — True when the primary source failed and a fallback produced the data.
    - `fallback_chain` string[], nullable — Ordered list of sources attempted, in the order they were tried.
    - `cached` boolean, nullable — True when this response was served from the internal cache.
    - `stale` boolean, nullable — True when the cached response was returned after the upstream rate-limited or errored. Clients can use this to detect degraded data.

## Other responses

- `401` — Missing or invalid `x-api-key` header. JSON body with a stable `code` distinguishing `missing_api_key` (no header sent) from `invalid_api_key` (header sent, key not accepted); any other 401 source carries the generic `unauthorized` with its detail as `reason`. Plus `hint`. `plan` is always null on 401 - an unauthenticated request has no plan; quota exhaustion is 429, not 401.
- `429` — Daily rate limit exceeded. Check `X-RateLimit-Reset` for the next window.
- `503` — Upstream source is temporarily unavailable. Retry after a short delay.

---

[API](https://skmtc.net/sugra/apis/sugra-api.md) · [All operations](https://skmtc.net/sugra/apis/sugra-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/sugra/sugra-api/versions/d3e3d9c28132/schema)