Lila Umwelthypothek – renovation mortgage
A fixed-rate mortgage with an interest discount for homeowners making energy improvements to their home.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
You can borrow for energy renovations such as replacing fossil-fuel heating with renewable energy, installing solar panels, or insulating the roof and façades. Valiant assesses whether your proposed work qualifies in a personal consultation.
The mortgage starts at CHF 50,000. The interest reduction is up to 0.30 percentage points against Valiant’s ordinary fixed-mortgage rate; your actual rate is quoted individually. The discount applies to a maximum mortgage amount of CHF 1 million. If your renovation costs more, other Valiant mortgages can finance the remainder.
Choose a fixed term of 2–10 years. Your interest rate stays unchanged during that term. When it ends, a new mortgage may carry a higher or lower rate.
You repay the borrowing through the agreed mortgage arrangements. Direct repayment reduces the mortgage debt and can be agreed in the contract. Indirect repayment is also available: you pay into a pillar 3a retirement-savings account while the mortgage debt stays unchanged. The savings can be used to repay the mortgage at the latest on retirement.
You normally cannot end the mortgage early. In exceptional cases Valiant may approve early termination. If it does, you must pay compensation calculated from the remaining term, your agreed interest rate and the current market rate.
Eligibility
- The money must fund energy renovation of your own home.
- Valiant must be your main bank.
- Your proposed renovation must qualify in Valiant’s individual assessment.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- Begin with a personal consultation; Valiant must be your main bank.
Book a personal consultation with Valiant through its appointment page. The bank checks whether your renovation qualifies and quotes your individual mortgage interest rate.