Energy mortgage
Borrow at a discounted interest rate to renovate a single-family or holiday home for better energy efficiency.
Beskrivningen av den här finansieringen finns för närvarande på engelska.
Finance improvements such as replacing fossil-fuel heating with a non-fossil system, insulating the facade, roof or attic floor, replacing windows, or installing photovoltaics with an EV charging point.
The minimum mortgage amount is CHF 25,000. The interest discount is 0.50 percentage points against the bank’s published rates for up to five years, on a maximum discounted amount of CHF 250,000. After the discount, the mortgage interest rate cannot fall below 0%.
Bank Avera lends you the money under a mortgage agreement: you pay interest and must repay the borrowed amount under the agreed terms. The bank agrees your individual conditions and signs the contracts with you before paying out the mortgage.
Fees are CHF 200 for issuing the financing framework contract and CHF 100 for issuing the product agreement. The fee for assessing the credit request is agreed individually. Releasing the mortgage title costs CHF 350 per property; payment reminders cost CHF 50 each from the second reminder.
Eligibility
- The renovation must concern a single-family or holiday home, and its main purpose must be to improve the property’s energy performance.
- You must provide evidence of the planned energy improvements. At least 75% of the total investment must serve that purpose.
- An improved GEAK building energy rating can demonstrate the conditions linked to the planned improvements and the 75% share, for example through a GEAK Plus report or a comparable report. This is a way to show the building’s improved energy performance.
- Bank Avera must approve the credit assessment under its usual lending standards.
How to apply
- Status
- Öppet löpande
- Villkor för ansökningsomgången
- Subject to a positive Bank Avera credit assessment.
Contact Bank Avera on +41 44 933 54 00, Monday to Friday, 08:00–17:30, or use the contact form on the product page to request a financing consultation.
The bank first discusses your financing needs and the required documents, then prepares an individual offer. You agree the conditions and sign the mortgage contracts before the bank completes the administration and pays out the mortgage.