Si vous décidez d’acheter, de construire une habitation classifiée A sur le CECB ou de rénover votre bien afin d’en réduire la consommation d’énergie, un rabais de 0.25% sur votre taux d’intérêts vous est accordé.
A lot of people dream of owning their own home. At BCV, we can help you make that dream come true. But first, you need to decide exactly what kind of property you want: a house in the suburbs, a city apartment, a country getaway? With a balcony, a garden? Do you want to buy an existing home, build your own, or invest in a fixer-upper?
The first step in buying a home is determining how much you can afford to spend. Our advisors will help you establish a budget based on your annual income (including your household salary plus any pension or investment income) and the amount of cash you have on hand for a downpayment. They will use a simulator to calculate the maximum amount you can spend on a new home. They will take into account the ongoing cost of owning a home: as a rule of thumb, mortgage payments and home maintenance should account for no more than one-third of your household’s gross annual income.
Building a home yourself lets you personalize it according to your tastes and lifestyle – meaning you can really get what you want. But plan on spending a lot of time on it, since you'll have countless decisions to make. And you'll want to oversee the construction work to make sure that budgets and deadlines are met.
If you decide to renovate your current home or a different one, you can make it more comfortable and energy-efficient. That will increase the value of the property and save you money over the long-term. Before starting any renovation work, you should assess the condition of your property and draft an overall plan for the renovation project.
You may be considering selling your home or passing it on to a loved one. That can be an emotional decision to make, especially if you've accumulated happy memories there over the years. Count on our advisors to guide you through every step of the process.
For help finding the right property, check out www.newhome.ch. This website, created by BCV and other Swiss cantonal banks, lets you filter property listings to find the perfect home for you.
When it comes time to buy your primary residence, BCV will lend you up to 80% of the property’s value (based on our estimate and excluding purchase-related expenses).
With Hypo-net, you can apply for a mortgage loan online – and it only takes 20 minutes.
Step 1: Use the calculator to see how much your monthly mortgage payments will be. Step 2: Fill out the required information. It’s that easy. You will immediately receive an agreement in principle and a non-binding offer valid for two weeks.
For more information about BCV’s mortgage loans, contact an advisor.
Lors d’un entretien personnel, votre conseillère ou conseiller BCV se fera un plaisir d’aborder et de discuter avec vous de toutes les questions relatives à votre financement.
Veuillez vous munir des documents ou justificatifs suivants, ou les faire parvenir préalablement par e-mail à votre conseillère ou conseiller BCV:
Les conseillères et conseillers de la BCV sont à votre disposition pour toutes vos questions sur les transferts de prêts. N’hésitez pas à prendre rendez-vous.
If you’re a home owner, now is the time to lock in a lower interest rate by transferring your home mortgage to BCV. And with our Hypo-net service, you can do everything online in just 20 minutes. It's simple. Hypo-net offers you two different financing options – choose the one you like and fill in the requested information. You will immediately receive an initial contract and an offer valid for two weeks.
For more information about transferring your mortgage loan, contact a BCV advisor.
Owning your home is more than just an investment: it is a major decision that should be carefully considered.
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Suchbegriffe: Achat/ Propriétaire/ Maison/ Logement
Cette liste vous permet d'avoir sous les yeux les points capitaux ou importants qui orienteront votre choix lors de la recherche de votre futur logement.
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Suchbegriffe: Achat/ Check/ List
Every spring and fall, we publish our BCV Immobilier report giving you the information you need to navigate the Vaud real estate market. It includes:
Available in French at www.bcv.ch/pointsforts or www.bcv.ch/La-BCV/Actualite-et-medias/BCV-immobilier