Property financing

Half of all Vaud companies have chosen BCV for their property financing. This gives our advisors a unique view of the market – and it shows just how in tune we are with the needs of local companies.

A range of mortgage solutions

Whether you are looking to buy, build or renovate your company's premises or to manage a real estate portfolio, we have a broad range of mortgage solutions tailored to your needs. We also offer added advantages for those seeking to ensure that the buildings they use are energy efficient.

Fixed-rate mortgage loan

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

BCV Multifix mortgage loan

This loan is made up of several fixed-term tranches that can be tailored to your situation. It combines the advantages of short-term rates with the stability of long-term rates.

Variable-rate mortgage loan

This mortgage loan is a flexible way of financing your property and means you can react quickly if you are looking to sell.

Green mortgage loan

This loan offers an attractive interest rate for Minergie® certified properties.

Building 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.

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.

Green renovation loan

With this loan, you get a reduction on your interest rate if you undertake energy-saving renovation work.

Our mortgage loans at a glance

 

Amount

Term of loan

Interest rate

 

Fixed-rate mortgage loan

  • Minimum: CHF 100,000
  • Maximum: 50% to 80% of the property's value

2 to 10 years

Customized

Find out more

BCV Multifix mortgage loan

  • Minimum: CHF 100,000 per tranche
  • Maximum: 50% to 80% of the property's value

Tranches of between 3 months and 10 years

Customized for each tranche

Find out more

Variable-rate mortgage loan

  • Minimum: none
  • Maximum: 50% to 80% of the property's value

Unlimited term

Customized

Find out more

Green mortgage loan for Minergie® buildings

See conditions for the various BCV mortgage loans

See conditions for the various BCV mortgage loans

  • Customized
  • 0.25% reduction on interest rate

Find out more

Building loan

-

Construction phase

Customized variable rate on first and second mortgages

Find out more

Building Plus loan

-

Construction phase

  • Customized
  • Principal repayment from end of construction phase

Find out more

Green renovation loan

Minimum: CHF 30,000

  • 5 years for a variable-rate loan
  • 5 to 10 years for a fixed-rate loan
  • Customized
  • 0.25% reduction on interest rate
  • No principal repayment for 5 years

Find out more

Learn more

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