Energy mortgage
Mortgage interest discount for borrowers building or renovating to qualifying Minergie or GEAK energy standards.
Questa opportunità è attualmente disponibile in inglese.
Thurgauer Kantonalbank lends against the property and reduces the chosen mortgage product’s interest rate by 0.50 percentage points for 2–10 years from payout. The discounted portion starts at CHF 20,000. Its maximum is CHF 200,000 when the property’s total mortgage volume is below CHF 2 million, or CHF 400,000 when that volume is above CHF 2 million.
The discount can accompany a fixed-rate, SARON-Flexi or variable mortgage. TKB quotes the rate individually, considering the term, market rates, property security, affordability and your financial circumstances. Interest and repayments of principal are generally charged quarterly; the options for early repayment depend on the chosen mortgage. The bank states that there are no additional costs attached to the product and that mortgage advice is free.
TKB pays the GEAK Neubau or GEAK Plus certificate costs when you conclude financing. Each investment can receive this energy mortgage once, with a maximum of two energy mortgages per property. At maturity it can be converted into and extended as another mortgage product.
Eligibility
This entry covers certified new construction and whole-building energy renovations, for all property types.
- A new building must have a Minergie certificate or GEAK Neubau energy classes A/A/A for its building envelope, total energy and CO₂ emissions. Certificates must be no older than five years. Minergie certifies buildings designed for low energy use and a high share of renewables; GEAK Neubau assesses planned building performance.
- Renovation must implement a GEAK Plus option achieving total-energy class A, B or C, or have confirmation of Minergie system renewal. GEAK Plus adds a tailored renovation advisory report to the building’s energy assessment, comparing improvements, energy costs and investment costs.
- The property’s entire financing must be with TKB. The mortgage must be secured against the property for the full credit amount.
How to apply
- Stato
- Aperto continuamente
- Restrizioni del bando
- Request a tailored mortgage offer from TKB on 0848 111 444.[^c14][^c15]
Request a tailored offer from Thurgauer Kantonalbank’s mortgage advisers on 0848 111 444. Supply the Minergie/GEAK certificate or quotation for the planned energy renovation before obtaining preferential terms, then submit a copy of the invoice documenting the sustainable investment afterwards.
Submit the relevant certification and subsidy applications before construction or installation begins.