Watch out for fraud! Be wary if you get a phone call from someone claiming to be an IT support person. Never install remote-access software, and when making payments be sure to check the payee’s bank details and the amount. Your log-in details are confidential – never share them with anyone!

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Mortgage loans

Looking to buy or build a new home or renovate your current one? BCV can help you with the right form of financing for your project. We offer fixed-rate loans, short term loans, and the Building Plus loan.

Our mortgage loans at a glance

	Short term	Fixed-rate	Variable-rate	Building Plus
Buy a home	OK	OK	OK
Build a home				OK
Renovate a home	OK	OK	OK	OK
Requirements	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income	20% downpayment Loan and maintenance expense less than 1/3 of your income
Minimum loan amount	CHF 100,000	CHF 100,000	CHF 100,000	CHF 100,000
Term of loan	3-12 months	2-10 years	unlimited	4-10 years
Renewal conditions	Automatic	At a BCV branch, by telephone, or online
Repayment	Direct or indirect	Direct or indirect	Direct or indirect	Direct or indirect
Today's interest rate	Available on request	Available on request	Available on request	Available on request
	Learn more	Learn more	Learn more	Learn more

Useful documents

Buying a home in Switzerland

Owning your home is more than just an investment: it is a major decision that should be carefully considered.

File size : 1 MB - Last update: 18.08.2023

Other legal information

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