A lot of people dream of owning their own home. At BCV, we can help you make that dream come true. But first, you need to decide exactly what kind of property you want: a house in the suburbs, a city apartment, a country getaway? With a balcony, a garden? Do you want to buy an existing home, build your own, or invest in a fixer-upper?
Building a home yourself lets you personalize it according to your tastes and lifestyle – meaning you can really get what you want. But plan on spending a lot of time on it, since you'll have countless decisions to make. And you'll want to oversee the construction work to make sure that budgets and deadlines are met.
If you decide to renovate your current home or a different one, you can make it more comfortable and energy-efficient. That will increase the value of the property and save you money over the long-term. Before starting any renovation work, you should assess the condition of your property and draft an overall plan for the renovation project.
You may be considering selling your home or passing it on to a loved one. That can be an emotional decision to make, especially if you've accumulated happy memories there over the years. Count on our advisors to guide you through every step of the process.
For help finding the right property, check out www.newhome.ch. This website, created by BCV and other Swiss cantonal banks, lets you filter property listings to find the perfect home for you.
When it comes time to buy your primary residence, BCV will lend you up to 80% of the property’s value (based on our estimate and excluding purchase-related expenses).
With Hypo-net, you can apply for a mortgage loan online – and it only takes 20 minutes.
Step 1: Use the calculator to see how much your monthly mortgage payments will be. Step 2: Fill out the required information. It’s that easy. You will immediately receive an agreement in principle and a non-binding offer valid for two weeks.
- Receive a loan offer in just 20 minutes (for loans up to CHF 2 million)
- Lock in a low interest rateso you don’t miss out on the attractive market rates currently available
- Avoid processing fees: we don’t charge a loan-arrangement fee on Hypo-net mortgages
- Save money with a Green mortgage loan
For more information about BCV’s mortgage loans, contact an advisor.
Document checklist for your first meeting with your BCV advisor
Your BCV advisor will be happy to sit down with you to discuss your home-financing options and needs.
Please bring the following documents with you (or email them to your advisor beforehand):
- Your most recent tax return (complete copy; if you are self-employed, please bring your last three tax returns)
- Your most recent salary certificate
- Your last three pay slips (with proof that you receive a 13th month payment, if applicable)
- An extract from the debt collection office dated within the previous six months
- If you are interested in purchasing an existing property, the sales brochure or a description of the property (photos, price, plot number, etc.)
- If you plan to build or renovate your home, information on your project (plans, price, plot number, draft agreement with the general contractor or architect)
For more information about transferring your mortgage loan, contact a BCV advisor.
If you’re a home owner, now is the time to lock in a lower interest rate by transferring your home mortgage to BCV. And with our Hypo-net service, you can do everything online in just 20 minutes. It's simple. Hypo-net offers you two different financing options – choose the one you like and fill in the requested information. You will immediately receive an initial contract and an offer valid for two weeks.
- Lower your interest payments by transferring your loan to BCV
- Take advantage of our no-arrangement-fee offer
- Minimize the fee for canceling your loan with your current bank
For more information about transferring your mortgage loan, contact a BCV advisor.
BCV Start Immo
If you’re a first-time home buyer, or if you’d like to transfer your first-time mortgage loan to BCV, we’ll sweeten the pot by reducing your interest rate by 0.30 percentage point.
Green bonus
If you are buying a property whose CECB eco-rating is A, we'll waive the interest payments on your mortgage loan for the first 12 months.
Buying a home in Switzerland
Owning your home is more than just an investment: it is a major decision that should be carefully considered.
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Ma mémo-liste BCV pour mon futur logement
Cette liste vous permet d'avoir sous les yeux les points capitaux ou importants qui orienteront votre choix lors de la recherche de votre futur logement.
File size : 445 KB - Last update: 26.01.2015
An in-depth look at Vaud’s real estate market
Every spring and fall, we publish our BCV Immobilier report giving you the information you need to navigate the Vaud real estate market. It includes:
- Price trends by town and region, illustrated in maps and charts;
- An overview of the local economy;
- Closer looks at particular aspects of the market or at specific regions;
- Updates on rental prices, commercial real estate, and real estate investment vehicles.
Available in French at www.bcv.ch/pointsforts or www.bcv.ch/La-BCV/Actualite-et-medias/BCV-immobilier