Preconditions
- Natural persons with permanent domicile in Switzerland
- Swiss citizens and foreign nationals with B or C residence permits
The construction loan from PostFinance is the ideal loan for construction projects for new builds. PostFinance settles all bills for you during the building phase.
Users of the comparison service comparis.ch give PostFinance a good rating for its mortgage services.
Free account management
PostFinance settles all the bills you receive while work is underway on your new home
You keep an overview of your building account
There are no repayments while construction is in progress
By financing your project with a PostFinance fixed-rate mortgage, you ensure that your interest payments remain unchanged over the long term |
We offer flexible building loans to help you buy your dream home, whether it is built by a general contractor or whether you have a single-family home, a condominium or a holiday home constructed according to your own wishes and plans.
Currency |
CHF |
---|---|
Start of term |
On granting of credit limit |
Term |
Max. 2 years |
Interest rate and commission |
Variable, no credit commission |
Minimum amount |
CHF 150,000 |
Interest statement |
Quarterly to the end of the quarter |
Account management |
Free of charge (charges only incurred if your finances are not consolidated with PostFinance: 0.5% of the maximum loan amount utilized, minimum of CHF 500) |
Consolidation |
Switch to a PostFinance mortgage product |
You can finance your construction project with a construction loan in current account form. We grant you a variable interest loan on the building account. Once the construction work has been completed, your loan debt on the building account is repaid by your mortgage. You are left with a mortgage debt.
You can convert a part of your construction loan into a mortgage before building work is complete. |
You are free to use the available financing limit both before and throughout the construction phase:
Mortgage interest rates valid as of 27.01.2023
The construction loan interest rate is 2.25 percent.
Reminder fees are charged on outstanding payments.
Third-party fees will be passed on to the customer. |
If finances are not consolidated with PostFinance: 0.5% of the highest loan amount used, or at least CHF 500.
PostFinance works with the following cooperation partners to offer financing services: Valiant Bank AG, Berne and Münchener Hypothekenbank eG, Munich.