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Building loan

You can take out a building loan to finance the construction or renovation of a property. It is granted in the form of a credit limit on your current account, which you will draw down as the work progresses.

Highlights

The account is debited as the work progresses. Interest is only charged on the funds that have been drawn down.
The construction loan includes a first and second mortgage. One interest rate is applied.

Rates and conditions

The account is debited upon submission of invoices signed by the project owner and the architect.
Once the work is finished, the loan is converted into a fixed-rate, variable-rate or Multifix mortgage loan.

	Details
Minimum amount	None
Maximum amount	Multifamily residential properties: max. of 80% of the property's value Other properties: between 50% and 70% of the property's value
Term	The entire construction phase
Interest rate	Customized
Commission	0.25% on the highest debit balance over the quarter
Principal repayment	None
Use of the loan	During the construction period You will draw on your loan as the work progresses, upon submission of invoices for work completed. You will be charged interest only on the funds actually used to pay those expenses.

Credit Fee Schedule (253,3 kB)

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Terms and conditions for banking services

Tarifs et conditions des prestations de la clientèle entreprises

En tant que partenaire financier de référence des entreprises du canton de Vaud, nous vous proposons des prestations adaptées à vos besoins, dont vous trouvez les conditions et tarifs dans ce document.

Grösse : 256.07 KB - Zuletzt geändert : 09.3.2022

Suchbegriffe: Comptes/ BCV/ Entreprises/ conditions/ Tarifs

Credit Fee Schedule

Grösse : 247.39 KB - Zuletzt geändert : 07.5.2020

Auch verfügbar auf: : Französisch | Deutsch

Taux des comptes

Grösse : 1.42 MB - Zuletzt geändert : 04.5.2021

How it works

Converting a building loan into a mortgage loan

Related services

Building Plus loan

This fixed-rate loan enables you to finance the construction of a property. You can keep careful track of your financial expenses throughout the construction phase and beyond.

Property account

This accounts lets you easily manage all the transactions related to your real-estate properties.

Fixed-rate mortgage loan

With a fixed-rate loan, you can keep careful track of your financial expenses.

Please read our website and email Terms and Conditions before using our website or contacting us by email.
Other legal information
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If your card has been lost or stolen, you can block it using the following hotlines:

- Mastercard or Visa credit card: +41 (0)58 958 83 83
- Maestro card:
   - If you're calling from Switzerland (Mon-Fri 7:30am to 7:30pm): 0844 228 228
   - If you're calling from outside Switzerland (Mon-Fri 7:30am to 7:30pm): +41 (0)21 212 10 00
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If your BCV-net access has been blocked
After three incorrect password or access code attempts the system automatically blocks the account. Should this occur, please contact our helpline on 0844 228 228 or +41 (0)21 212 10 00, Mon-Fri 7:30am to 7:30pm.
What's my IBAN?
Your IBAN (International Bank Account Number) is a 21-position number that can be found on your Maestro card, as well on your account statements. You can also find it in BCV-net, when you click on the account you wish to know the IBAN for (at the bottom of the screen) or you can use our IBAN converter.

Banknote exchange rates

Currency	Buy	Sell
Euro (EUR)	1.0260ezembed	1.0860ezembed
Pound Sterling (GBP)	1.1595ezembed	1.3095ezembed
US Dollar (USD)	0.9685ezembed	1.0480ezembed
Canadian Dollar (CAD)	0.7350ezembed	0.82ezembed
Japanese Yen (JPY)	0.007370ezembed	0.008320ezembed

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For information purposes only; these exchange rates are subject to change at any time.