Sustainability mortgage
Private customers can borrow for an energy-efficient property or eligible renovation and solar installations, with a discount on the fixed mortgage interest rate.
Esta oportunidade está atualmente disponível em inglês.
Use this mortgage when buying, building or renovating a property with eligible energy-efficiency or renewable-energy features. Borrow CHF 10,000–1,000,000 for two to ten years. The annual interest rate is 0.25 percentage points below BKB’s fixed mortgage rate; your actual rate depends on your circumstances. The discount ends when the agreed term ends, when you can switch mortgage models.
You repay the loan as well as paying interest. Direct amortisation reduces your mortgage debt through repayments. For owner-occupied homes, you can instead make payments into a BKB Sparen-3 pension account for indirect amortisation. Give notice three months before the agreed term ends. You can combine this offer with other BKB mortgages.
You may fix the rate up to 24 months before the mortgage is paid out. BKB adds a forward surcharge for this advance rate reservation, but waives it when you reserve within six months of payout.
The signed contracts determine your binding obligations. If BKB transfers the mortgage to another party, interest and principal payments still go to BKB and the termination conditions still apply. That transfer does not itself restrict selling the property or refinancing with another bank. You agree that you cannot pay off the mortgage by offsetting it against money in your BKB accounts or other claims against the bank, even if the bank becomes insolvent.
Eligibility
The offer is for private customers who own an energy-efficient property or plan sustainable building work. Eligible property types are houses, owner-owned apartments, holiday houses or apartments, multi-family buildings, and combined residential and commercial buildings. BKB must finance the whole property.
You need one of these qualifying routes:
- A new or renovated building meeting Minergie, Minergie-P, Minergie-A or Minergie-ECO, evidenced by a certificate issued in 2015 or later.
- A GEAK cantonal building energy certificate showing efficiency class A, B or C. A certified expert must issue it, and it must be no more than two years old.
- Specific building work that reduces energy use, such as replacing heating or insulating the building envelope. An invoice copy is sufficient evidence for these measures.
- Solar thermal equipment producing hot water or photovoltaic panels generating electricity. An invoice copy is sufficient evidence.
How to apply
- Estado
- Aberto continuamente
- Condições do período de candidaturas
- Contact BKB for an individual financing offer.
Contact Basler Kantonalbank on 061 266 33 33 to discuss the sustainability mortgage and obtain your personal interest rate. The current product page invites financing enquiries and personal consultations.