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Building Plus loan

Are you looking to build your ideal home? Our Building Plus loan provides worry-free financing – and you don’t have to start paying it back until construction is complete.

Highlights of our Building Plus loan

Attractive
interest rates

With Building Plus, you only need to take out one loan – with only one fixed interest rate – for both the construction of your home and the subsequent mortgage.

The flexibility
you need

Because you can choose the term of your loan (from 4 to 10 years), you can pick a repayment schedule that works with your budget.

Easy
admin

You can use BCV-net or BCV Mobile to submit construction invoices and advance payment requests in just a few clicks.

How does it work?

The amount of your loan will grow as your home is being built, to cover the cost of the ongoing work. We will draw on your loan to pay the building expenses against invoices signed by you and the contractors doing the work (architect, builder, plumber, electrician, etc.). You will be charged interest only on the amount of money actually used to pay those expenses.
Once your home has been built, the building loan will convert into a mortgage loan with the same fixed interest rate.

DON’T MISS THIS!

Take advantage of our Green Bonus offer

If you buy or build an energy-efficient property* or carry out energy-saving renovations, we’ll waive your interest payments for the first 12 months.

Learn more about the Green Bonus (in French only)

* The property in question must have an eco-rating of A on at least one of the three CECB® certificate criteria or.have Minergie-A or Minergie-P certification.

Details

Minimum amount of CHF 20,000
Maximum amount of 80% of the purchase price (minimum down payment of 20%)
Loan term of 4 to 10 years, with the construction phase lasting 18 months
Fixed interest rate throughout the loan term
Direct or indirect repayment once converted into a mortgage loan

Credit fee schedule

Before taking out a Building Plus mortgage loan, you should:

understand the characteristics of this type of loan
carefully read the terms of our loan offer, in particular the conditions you must meet to benefit from our offered interest rate.

You can use BCV-net or BCV Mobile to submit construction invoices and advance payment requests.

Secure, 100% digital process
No paper, no postage
Short processing times
Easy payment tracking

See our other mortgage loans

Fixed-rate loan

Fixed interest rate throughout the loan term
Loan term of 2 to 10 years with the option of combining different maturities
Possibility of locking in the interest rate for your loan up to 18 months ahead of time

Our fixed-rate loan

Short-term loan

Fixed interest rate throughout the loan term
Loan term of 3 or 6 months with the option of combining different maturities
Possibility of switching to a fixed-rate loan for a longer term on each maturity date

Our short-term loan

SARON loan

Variable interest rate based on SARON (published daily)
Loan term of 2 to 5 years
Can be converted to a fixed-rate loan every three months, for a term equivalent to the remaining term of the SARON agreement

Our SARON loan

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