RenovaPlus mortgage
Borrow CHF 20,000–100,000 for energy-efficiency renovations to your mortgaged property, with a guaranteed discount from the variable mortgage rate.
Esta oportunidade está atualmente disponível em inglês.
RenovaPlus provides mortgage borrowing for renovations, refurbishment or alterations that improve the energy efficiency of the property being financed. The money is earmarked for that work and must be repaid.
You can borrow CHF 20,000–100,000. The bank guarantees a discount of 0.750 percentage points from its variable mortgage rate. Your actual terms depend on market conditions, your creditworthiness, the property and how much you borrow relative to its value.
Interest is charged at each quarter end and debited directly from your Nidwaldner Kantonalbank account. The loan runs until your next mortgage maturity, otherwise for no more than five years. Repayment is arranged individually; repayment can also be arranged indirectly through the bank’s Sparen 3 pension account. You may give notice at any time, with a six-month notice period.
The fee schedule effective from 1 January 2026 charges at least CHF 250 for mortgage discharge or settlement and CHF 250 for contract changes, including increases. Taking over a debt, rearranging the property or other assets pledged to secure the loan and urgent cases can also incur fees of at least CHF 250; releasing a property from security costs CHF 250 when the buyer’s financing is outside NKB. A land-register extract ordered for you costs CHF 30. The bank can charge for other administrative work and passes on third-party fees and additional services.
Eligibility
- You must be a mortgage customer with renovation needs in the property being financed.
- Use the borrowing for renovations, refurbishment or alterations that make a positive contribution to energy efficiency.
- Mortgage interest is debited from an account at Nidwaldner Kantonalbank.
Death-risk insurance is offered as an optional way to protect against loss of the property if the borrower dies. If your total financing with the bank is at least CHF 100,000, you receive a discount on products in its ZAHLEN payments range.
How to apply
- Estado
- Aberto continuamente
- Condições do período de candidaturas
- For mortgage customers financing energy-efficiency renovations. Contact the bank’s advice team.
Contact Nidwaldner Kantonalbank’s advice team on +41 41 619 22 22 to discuss RenovaPlus for your renovation. The current product page also offers an appointment-booking route.