Fixed-rate mortgage loan

The interest rate on this loan remains fixed throughout the agreed term. You are therefore protected against rising interest rates, and you know exactly how much your payments will be each month.

Variable-rate mortgage loan

This is the most flexible loan option. The contract is open-ended and the interest rates follow the market, allowing you to benefit from any fall in rates. However, you should also have sufficient financial resources in case rates go up.

BCV Benefit

With this loan you make fixed payments throughout the loan term and benefit from decreases in interest rates, while being protected against significant increases.

BCV Multifix

This loan provides the advantages of fixed short-term interest rates and the stability of longer-term rates. Your loan is divided into tranches, each with a different recurring term at the end of which the interest rate is adjusted.

BCV Minergie®

Minergie® is a label attributed to new and refurbished buildings that comply with certain construction standards in order to limit their impact on the environment and minimize energy consumption. If you wish to buy or build a home that is in line with these standards, we offer a special mortgage loan for just this purpose. With the BCV Minergie® loan, you will receive a 0.25% discount on your interest rate, and you can choose from any of the above mortgage products. We will also pay for the costs of the Minergie® certification, up to a maximum of
CHF 2,000.

Green renovation loan

If you wish to renovate your home to make it more environmentally friendly and reduce energy consumption, we provide a green renovation loan that offers particularly attractive terms, including a 0.25% discount on your interest rate.

Building loan

This is the ideal solution if, instead of buying an existing property, you plan to have your house built. This loan is withdrawn from a current account in stages, up to the credit limit. Payments are made as construction work is completed and upon presentation of invoices signed by the customer and the architect. Once construction is terminated, the building loan can be converted into a mortgage loan.

Property Account

This is a simple and effective way of managing your home-related finances. Your mortgage payments can be automatically debited from your Property Account (into which you make periodic payments). You can also use your Property Account to build up renovation funds.

Consumer credit

Are you looking to buy a new car or renovate your home? We offer consumer loans of CHF 1,000 to CHF 80,000 with a term of six to 60 months to help you achieve your goals. BCV has partnered with Cashgate to offer you financing solutions tailored to your situation.

Car leasing

If you are considering buying a new car or replacing your current vehicle, car leasing offers a number of benefits. First and foremost, car leasing allows you to drive the car you want without tying up your savings. Through our partnership with Cashgate, we can deliver a simple leasing solution that is right for you.