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Fixed-rate mortgage loan

Are you looking for a loan to buy, build, or renovate your home, but you don't want to worry about changing interest rates? Then have a look at our fixed-rate mortgage loan: your monthly payments will remain the same throughout the term of the loan, even if interest rates go up. Perfect for periods of low interest rates.

Highlights

Your interest rate won't change

Your interest rate will stay the same throughout the term of your mortgage loan, which can range from two to ten years (renewable). That gives you one fewer variable to worry about when preparing your household budget.

Minimize risk by combining interest rates

To reduce interest-rate risk, you can divide your mortgage loan into multiple tranches with different interest-rate conditions (fixed-rate, adjustable-rate, or short term). That can help protect you against higher interest rates when you renew your mortgage.

Lock in your interest rate today

For a fee, you can lock in the interest rate for your mortgage up to 12 months ahead of time. That shields you from rising interest rates – a particularly attractive option when you expect rates to go up.

Save money with our green discounts

We’ll waive the interest payments on your mortgage loan for the first 12 months if you buy or build a home with a CECB eco-rating of A or take out a loan for energy-efficiency improvements.

Mortgage repayment

You can pay down your mortgage either directly or indirectly.

Direct repayment

With the direct repayment option, you make regular mortgage payments to BCV. These payments will be applied to the loan principal and interest, and your overall mortgage debt will decrease over time. However, your tax charge will increase every year since you can deduct only the interest payments.

Indirect repayment

With the indirect repayment option, instead of making mortgage payments directly to BCV, you put the money into a third-pillar retirement account that you pledge to BCV. This option offers some tax advantages: you can deduct the payments made to your retirement account from your taxable income; and you maximize the amount of your tax-deductible mortgage debt.

Details

Your mortgage loan will cover up to 80% of the purchase price of your new home if it’s a primary residence, or up to 65% if it’s a secondary residence. That means you need to provide a downpayment of at least 20% or 35%, respectively. The money can come from existing cash assets or from your second- or third-pillar funds.

You can select a term of two to ten years for your mortgage loan. The loan contract can be renewed at the end of each term for the same or a different term, or you can switch to a different interest-rate agreement.

You can terminate your mortgage loan before the term is up, but you will have to pay an early repayment fee. The amount of the fee will take into account how much time is left in the contract and the difference between the interest rate on your mortgage and the market interest rate when you terminate it.

When you sign your loan contract, you can choose between the direct and indirect repayment methods. Payments are made quarterly.

Fees and conditions

	Fees and conditions
Conditions	Maximum loan amount: 80% of the purchase price Minimum loan amount: CHF 20,000 Minimum downpayment: 20% of the purchase price Mortgage and interest payments plus home maintenance should not exceed a third of your household income Mortgage term: 2–10 years Credit Fee Schedule (253.3 kB)

The ideal mortgage financing package often consists of a custom-tailored combination of fixed-rate and variable-rate loans with different terms. We will work closely with you to determine the solution that best meets your needs.

Calculate your monthly mortgage payments

Renewing your loan is easier than ever!

When it comes time to renew a tranche of your mortgage, you can discuss the different options with your advisor and then select – from the comfort of your own home – the term of your fixed-rate, variable-rate, or short term loan.

Convenient – Our online service is available 24/7 with everything you need to renew your loan, after discussing it with your advisor.

Flexible – You decide whether you want to renew your mortgage online or at one of our branches.

Easy-to-use – You can access the service via BCV-net. If you don’t already have a BCV-net account, you can sign up for one today at BCV-net

Interested?

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Related services

Not sure what you need? See our product overview.

Short term mortgage loan

The short term mortgage loan's follows financial market conditions during your chosen term.

Building Plus loan

Our Building Plus loan provides worry-free financing for the construction of your home – and you don't have to start paying it back until construction is complete.

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