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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.

Highlights

The account is debited as the work progresses. Interest is only charged on the funds that have been drawn down.
The construction loan includes a first and second mortgage. One interest rate is applied.

Rates and conditions

The account is debited upon submission of invoices signed by the project owner and the architect.
Once the work is finished, the loan is converted into one of our mortgage loans.

	Details
Minimum amount	None
Maximum amount	Multifamily residential properties: max. of 80% of the property's value Other properties: between 50% and 70% of the property's value
Term	The entire construction phase
Interest rate	Customized
Commission	0.25% on the highest debit balance over the quarter
Principal repayment	None
Use of the loan	During the construction period You will draw on your loan as the work progresses, upon submission of invoices for work completed. You will be charged interest only on the funds actually used to pay those expenses.

Credit Fee Schedule (250 Kb)

Submit invoices and request advances online

With our digital payment management system, you can use BCV-net or BCV Mobile to submit construction invoices and advance payment requests in just five easy steps.

Why it’s great:

Secure, 100% digital process
No paper, no postage
Short processing times
Easy payment tracking

Five easy steps:

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.

0844 228 228

Visit us

Come to one of our branch offices.

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Terms and conditions for banking services

Download our brochure (in French) for the terms and conditions for corporate banking transactions.

Tarifs et conditions des prestations de la clientèle entreprises

En tant que partenaire financier de référence des entreprises du canton de Vaud, nous vous proposons des prestations adaptées à vos besoins, dont vous trouvez les conditions et tarifs dans ce document.

File size : 182 KB - Last update: 01.09.2025

Tarif des frais crédits

En tant que partenaire financier de référence des entreprises du canton de Vaud, nous vous proposons une gamme de crédits adaptés à vos besoins. Les frais applicables à ces crédits sont recensés dans cette brochure.

File size : 247 KB - Last update: 03.01.2024

File also available in: Anglais Allemand

Taux des comptes

File size : 37 KB - Last update: 31.10.2025

How it works

Converting a building loan into a mortgage loan

Related services

Building Plus loan

This fixed-rate loan enables you to finance the construction of a property. You can keep careful track of your expenses throughout the construction phase and beyond.

Fixed-rate mortgage loan

With a fixed-rate mortgage loan, you can plan out your mortgage expenses for the entire loan term.

Green Bonus

With this loan, we waive your interest payments for the first 12 months if you buy or build a property with a CECB® eco-rating of A or carry out energy-saving renovations.

Other legal information

Please read our website and email Terms and Conditions before using our website or contacting us by email.

In principle, any information and/or documents appearing on this website that relate to financial instruments or services within the meaning of the Swiss Financial Services Act (FinSA) are considered advertising materials pursuant to this Act.