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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

Fixed-rate mortgage loan

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

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.

Short term mortgage loan

This loan is an attractive solution when interest rates are stable or trending downward.

SARON mortgage loan

The interest rate on this loan tracks short-term rates, which are generally lower than long-term rates.

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.

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 Bonus

We’re here to help you do your bit for the environment by offering attractive interest rates on financing for energy-efficient properties and green renovations.

Our mortgage loans at a glance

 

Amount

Term of loan

Interest rate

 

Fixed-rate mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

2 to 10 years

Customized

Find out more

Variable-rate mortgage loan

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

Unlimited term

Customized

Find out more

Short term mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

1 to 12 months

Customized, renewable fixed rate

Find out more

SARON mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

2 to 5 years

Daily SARON, minimum 0%, compounded over 3 months + customized margin

Find out more

Building loan

-

Construction phase

Customized variable rate on first and second mortgages

Find out more

Building Plus loan

-

4 to 10 years

  • Customized fixed rate
  • Principal repayment from end of construction phase

Find out more

Green loan

Minimum: CHF 20,000

At least 5 years

  • Customized fixed rate
  • No interest payments for 12 months

Find out more

Useful links

See our page on investing in property

Learn more

Write to us

If you are a BCV client with BCV-net, we suggest you log in to BCV-net and contact us using the secure messaging service

Call us

We’re available Monday to Friday, from 8:00am to 6:00pm

 

 

Visit us

Come to one of our branch offices