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.


  • 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 a fixed-rate, variable-rate or Multifix mortgage loan.



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


  • The entire construction phase

Interest rate

  • Customized


  • 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.


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Informationen anfragen

Terms and conditions for banking services

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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.

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Suchbegriffe: Comptes/ BCV/ Entreprises/ conditions/ Tarifs

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How it works

Converting a building loan into a mortgage loan

Crédit de construction

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