Energy mortgage
A mortgage interest discount for energy-saving home renovations or a qualifying new home, with a fixed-rate option.
Beskrivningen av den här finansieringen finns för närvarande på engelska.
Borrow from Basellandschaftliche Kantonalbank (BLKB) to finance eligible improvements to your home or a qualifying new build. This entry covers the fixed-rate energy mortgage: you pay interest on the borrowed money and repay it under your mortgage contract.
For renovations, financing of CHF 10,000–250,000 receives an interest-rate reduction of 0.400 percentage points. For a qualifying new build, the minimum financing is CHF 100,000 and the reduction is 0.150 percentage points. These reductions are discounts on the mortgage interest rate, rather than grants towards construction costs.
Choose a fixed term of 1–15 years. The interest rate stays fixed during that term; BLKB’s adviser gives you the applicable rate. Repayment instalments are agreed in the contract. Extra repayments are generally unavailable, unless you arrange the optional right to make additional repayments. You can end the mortgage at maturity without a notice period. A separate optional termination right permits free early termination if you sell the property outside your family.
Eligibility
- Renovations must increase an existing BLKB mortgage. Eligible work includes replacing fossil-fuel heating with ground-source, groundwater or air-to-water heat pumps, pellet heating or district heating using renewable energy; installing solar photovoltaic panels with or without battery storage; installing an electric-vehicle charging point; and whole-home energy renovations or efficiency improvements such as roofs and windows.
- A new build must either obtain one of the accepted certifications—Minergie P, A, P-/A ECO; GEAK A/A; SNBS; LEED; DGNB; BREEAM; Minergie-Areal or SNBS-Areal—or use mostly timber construction for the ground floor and higher storeys. The certificate route requires the new building to be certified; the timber route is an alternative. BLKB’s advisers provide the details for assessing the certificates and timber construction.
- You need enough of your own capital for affordable home financing. BLKB assesses the financing with you and agrees the mortgage terms.
How to apply
- Status
- Öppet löpande
Request a property-financing consultation with BLKB through its appointment page, or contact +41 61 925 94 94 or kundencenter@blkb.ch. BLKB invites applicants to a free, nonbinding financing discussion for energy-saving property investments and qualifying new builds; its adviser discusses the conditions and applicable rate with you.