Preconditions
- Natural persons with permanent domicile in Switzerland
- Swiss citizens and foreign nationals with B or C residence permits
Construction loan
Build your dream home
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.
Commendation for PostFinance mortgages
Users of the comparison service comparis.ch give PostFinance a good rating for its mortgage services.
Construction loan: flexible and individual
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Free account management
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PostFinance settles all the bills you receive while work is underway on your new home
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You keep an overview of your building account
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There are no repayments while construction is in progress
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By financing your project with a PostFinance fixed-rate mortgage, you ensure that your interest payments remain unchanged over the long term
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Services
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
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Building account in current account form
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.
Partial consolidation
You can convert a part of your construction loan into a mortgage before building work is complete.
Options
You are free to use the available financing limit both before and throughout the construction phase:
- As a current account in your variable rate building account
- As a mortgage with a free choice from the full range of mortgages on offer with differing interest rate commitments
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Current interest rate (for new business)
Mortgage interest rates valid as of 27.01.2023
The construction loan interest rate is 2.25 percent.
Reminder fees
Reminder fees are charged on outstanding payments.
Third-party costs
Third-party fees will be passed on to the customer.Fees
If finances are not consolidated with PostFinance: 0.5% of the highest loan amount used, or at least CHF 500.
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PostFinance works with the following cooperation partners to offer financing services: Valiant Bank AG, Berne and Münchener Hypothekenbank eG, Munich.
