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Fixed-rate mortgage loan

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.

LEARN MORE ABOUT GREEN BONUS

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)

The following kinds of renovations are considered ecological: thermal insulation; total renovation; replacing a fossil fuel heating system with an air-to-water, geothermal, or water-to-water heat pump; installing solar panels; installing solar thermal collectors; replacing windows. Be sure to discuss this with your advisor during your mortgage loan meeting. 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