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Mortgage loans

Looking to buy or build a new home or renovate your current one? BCV can help you with the right form of financing for your project. We offer fixed-rate loans, variable-rate loans, short term loans, and the Building Plus loan.

Our mortgage loans at a glance

	Short term	SARON	Fixed-rate	Variable-rate	Building Plus
Buy a home	OK	OK	OK	OK
Build a home					OK
Renovate a home	OK	OK	OK	OK	OK
Requirements	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income
Minimum loan amount	CHF 100,000	CHF 100 000	CHF 100,000	CHF 100,000	CHF 100,000
Term of loan	1-12 months	2-5 years	2-10 years	unlimited	4-10 years
Renewal conditions	Automatic	At a BCV branch, by telephone, or online	At a BCV branch, by telephone, or online
Repayment	Direct or indirect	Direct or indirect	Direct or indirect	Direct or indirect	Direct or indirect
Today's interest rate	Available on request	Known only 5 days before interest is charged	Available on request	Available on request	Available on request
	Learn more	Learn more	Learn more	Learn more	Learn more

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We’re available Monday to Friday,
from 7:30 am to 7:30 pm

0844 228 228

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within one working day

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Useful documents

Buying a home in Switzerland

Owning your home is more than just an investment: it is a major decision that should be carefully considered.

Grösse : 2.22 MB - Zuletzt geändert : 24.6.2022

Auch verfügbar auf: : Französisch

Suchbegriffe: Achat/ Propriétaire/ Maison/ Logement

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Siège et adresse postale

Agence BCV
Place Saint-François 14
1001 Lausanne

BCV
Case postale 300
1001 Lausanne

Agences et bancomats

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We are available Monday to Friday from 7:30am to 7:30pm.

0844 228 228

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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
   - Outside of the above hours, from both Switzerland and other countries: +41 (0)44 271 22 30

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)	0.9760	1.0360
Pound Sterling (GBP)	1.0840	1.2340
US Dollar (USD)	0.9260	1.0055
Canadian Dollar (CAD)	0.7015	0.7865
Japanese Yen (JPY)	0.006725	0.007675

See all currencies

Converter

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