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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.

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

Write to us

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.

Call us

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

 

 

Visit us

Come to one of our branch offices.

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.