Climate mortgage
A discounted fixed-rate mortgage for homeowners financing energy and ecological renovation of their main residence.
Această oportunitate este disponibilă momentan în limba engleză.
Borrow CHF 50,000–250,000 for energy and ecological renovation, with a fixed term of two to five years. ABS offers a reduced interest rate based on its standard fixed-mortgage conditions and gives you an individual quotation.
This is borrowed money for the renovation: you pay interest and repay the mortgage under the arrangements agreed with ABS. The bank quotes the financing terms and fees for your individual situation.
ABS publishes the loans it grants in its printed credit list to show how deposited money is used.
Eligibility
- For this homeowner route, you must renovate a house or apartment used as your main residence. You need a fixed mortgage with ABS.
- The renovation must reach at least level 1 in ABS ImmoImpact, the bank’s property sustainability assessment. The bank’s discount model starts at 15 out of 60 points, with at least two out of ten points in each of operating energy (energy used to run the building) and building biology (how buildings, materials and design affect people and the environment). ABS assesses the property using its information; in its refinancing process, this information is shared with a2-c AG for the assessment. Other certificates or labels can be considered after discussion with ABS.
- If you renovate in stages, ABS assesses the sustainability level that the planned work will achieve within five years. You can receive the corresponding interest discount from the start.
- ABS requires you to provide 20% of your home’s land and building costs from your own funds. Its calculated interest, mortgage repayments and ancillary housing costs must together be no more than 33% of your gross income.
- ABS excludes holiday homes, luxury properties, properties contributing to urban sprawl, construction that disregards social and ecological considerations or uses excessive land, and investments primarily intended for land or property speculation.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- Request an individual mortgage offer from ABS; financing remains subject to the bank’s assessment.[^c13][^c14]
Contact ABS’s property-financing team to discuss your renovation and request an individual financing offer: finanzierung@abs.ch, 062 206 16 16 in Olten or 044 279 72 00 in Zürich. You can approach the bank as a new customer.