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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.

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. Find out more at 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

Credit Fee Schedule (253.3 kB)

Learn more

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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

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

 

 

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Finding properties

newhome.ch publishes free ads for properties that are for sale or rent all over Switzerland. The site is supported by 17 cantonal banks.