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If your company is looking to build or renovate its premises, then our Building Plus loan may be the right mortgage solution. You take out just one fixed-rate loan for both the construction phase and the subsequent mortgage.

Highlights

  • With Building Plus, one loan – with only one interest rate – covers both the construction or renovation and then the subsequent mortgage loan for your business premises.
  • The interest rate is fixed, which makes it easier for you to keep track of your financial expenses from the very beginning of your project. You can therefore plan ahead – and there won't be any nasty surprises on the way.
  • As two products are combined into one, the terms are more attractive than with a conventional solution.
  • Your building loan will be converted into a mortgage loan once construction is complete. But the date for the switch doesn't have to be specified when you take out the loan.

Example

Green Bonus

You pay zero interest for the first 12 months of your BCV fixed-rate mortgage loan or Building Plus loan (minimum term: five years) to finance an energy-efficient property or green renovations.

Our guide on energy-saving renovations outlines the key steps in the process and points you to the resources you’ll need to successfully carry out your project.

Guide to Energy-Efficient Renovations (in French only, 1.1 MB)

Renovations are considered ecological if at least 25% of the total investment (no less than CHF 20,000) is used to make energy-saving improvements that qualify for subsidies.

Rates and conditions

 

Details

Term of loan

  • 4 to 10 years

Interest rate

  • Fixed
  • Customized

Principal repayment

  • No principal repayment during the construction phase, then usually 1.25% of the loan amount per year.

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.
  • Once the work is finished:
    • The building loan will automatically be converted into a mortgage loan with the same interest rate.
    • Interest and principal payments are made quartely.

When your loan reaches the end of its term, you are free to switch to a different BCV mortgage loan if you so choose.

Print the fact sheet

Learn more

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