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Fixed-rate mortgage loan

If you are looking to purchase premises for your company or make a real-estate investment, a fixed-rate mortgage loan may be appropriate. The advantage of this type of loan is that the payments you make will remain the same throughout the term of the loan.

Highlights

  • With a fixed-rate mortgage loan, you can buy real-estate while remaining protected against a rise in interest rates.
  • This is ideal for medium- or long-term planning, and you can take advantage of low interest rates over the long term.

Bonus Vert

 
Picto-bonusVert

La BCV vous offre 12 mois d’intérêts à 0% sur votre prêt hypothécaire à taux fixe ou votre prêt de Construction Plus (dès une durée minimale de 5 ans) pour financer un bien immobilier ou des travaux de rénovation répondant à des critères écologiques. 

Découvrir le Bonus Vert

Notre Guide de la rénovation énergétique vous livre les étapes clés et les aides disponibles pour mener à bien vos travaux de rénovation énergétique. 

La rénovation est considérée comme écologique si au moins 25% du montant global (montant minimum du crédit: CHF 20,000) servent à la réalisation d’économies d’énergie éligibles à des subventions. Vous trouverez de plus amples informations sur cette offre sur www.bcv.ch/bonusvert.

Rates and conditions

 

Details

Minimum amount

  • CHF 20,000

Maximum amount

  • Multifamily residential properties: max. of 80% of the property's value
  • Other real estate: between 50% and 70% of the property's value

Term of loan

  • 1 to 12 months

Interest rate

  • Customized fixed rate

Principal repayment

  • Generally 1.25% of the loan amount per year

Due dates

  • Quarterly
  • Quarterly installments include interest and principal repayment

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