- For 2 years
- For 5 years
- For 10 years
- For 15 years
YOUR RENEWAL OR NEW LOAN IN JUST 15 MINUTES
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SAVINGS
Savings + Epargne 3 =
I WANT TO BUILD UP MY SAVINGS AT THE BEST RATE
+0,5% on your savings -
SHARES
40 BCGE shares = +0,5%
I WANT TO BECOME A SHAREHOLDER IN MY BANK
on your savings -
MORTGAGE
Mortgage = +0,5%
I WANT TO FINANCE MY HOME WITH AN ONLINE LOAN
on your savings -
BEST OF MANDATE
Best of management mandate = +0,5%
I WANT TO INVEST IN A SERIOUS YET FUN WAY
on your savings
Simulate a mortgage loan
The results of the simulator are provided for information purposes only and should not be construed as an offer to contract.
VOS AVANTAGES
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Amongst the most competitive of interest rates
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Simple and fast contract finalisation
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Loan periods of up to 15 years
NOS SERVICES
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Personal advisor
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Online service accessible 24/7
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Confidential and secure process
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Signing of your offer in just 15 minutes
Up to
bonus on your savings
How is your application processed online? *
1
Your real estate project
2
Your personal information
3
Your income and expenses
4
Your loan conditions
5
Validation
* This application is only accessible to residents of Switzerland.
Our solutions are adapted to your circumstances
FIXED RATE
What’s this?
A rate that stays the same for the duration of your loan.
Advantages:
- Stability is ensured for your loan and budget
- Protection against any possible rise in interest rates
- Very attractive tax deductions
- Personalised support
- Loans ranging from 2 to 15 years, perhaps longer on request
Repayments:
For a fixed-rate loan, the annual charge consists of:
- Interest on the mortgage fixed for the life of the loan
- Repayments on the borrowed capital
What’s this?
An average rate calculated on the basis of daily CHF money market transactions concluded via SIX's electronic trading platform.
Advantages:
- A advantageous rate that is one of the lowest on the market and which is automatically revised every three months
- Great flexibility and transparency on the terms of your loan
- Easy conversion of your Saron-rate mortgage into a fixed-rate or variable-rate mortgage
Repayments:
- You can repay your Saron-rate loan or voluntarily write down the amount of your choice on each rate maturity date.
*Saron : Swiss Average Rate Overnight
What’s this?
A rate that is indexed to market conditions
Advantages:
- Great flexibility for scheduled repayments
- Easy and advantageous conversion of your variable-rate mortgage into a fixed-rate or Libor-rate mortgage
- Option to repay all or part of the mortgage at any time, without a minimum amount or penalty.
Repayments:
For a variable-rate loan, the annual charge consists of:
- Interest on the mortgage loan
- Repayments on the borrowed capital