Fixed rate mortgage
A fixed mortgage allows you to acquire a property at the same rate for the duration of the loan. It ensures the stability of your loan and protects you from the possible rise in market rates.
Quality support throughout your project
Are you planning to build, buy or renovate a property? You are already a homeowner and are looking for the financing options best suited to your situation? We offer you simple, advantageous mortgage solutions that can be adapted to your needs.
The acquisition of a property requires competent advice, quality support and in-depth dialogue with a specialist. Talk to your adviser.
The mortgage loan for a residential property finances up to 85% (in the case of a new acquisition) of the value of the object.
Become a homeowner with complete peace of mind
A fixed rate is advantageous if the general level of interest rates is low or if you fear that there might be a general rise in market rates. A fixed rate mortgage provides you with stability for your property budget by protecting you against market rate rises.
Discover a stable property loan
In the case of a renewal or a mortgage being taken on from the competition, the BCGE lends up to 80% of the value of the property (calculated on the value of the collateral estimated by the bank). The whole of the mortgage is set up on the basis of one single rate.
A loan for all projects
The interest on the loan can be deducted from your annual income and the capital borrowed can be deducted from your personal wealth.
Very interesting tax benefits
Each year, your mortgage loan earns you interest bonuses on your BCGE Epargne account thanks to the Avantage service loyalty programme.
Avantage service loyalty programme
Receive a weather station for free
When concluding a mortgage loan with the BCGE, we will offer you a weather station for your future home. Thanks to this high-quality product, weather forecasts will hold no more secrets for you.
Minimum amountCHF 100,000
2 to 15 years
Term of the fixed rate contract
The fixed rate is determined for the duration of the contract. For current rates, please ask your adviser.
The annual charge (annuity) for granting a mortgage loan comprises:
- interest on the mortgage loan (fixed for the duration of the loan)
- repayment of the capital borrowed
- Direct or indirect amortisation (Epargne 3 account or mixed life insurance)
- Possibility of including risk cover (death/disability) with Swisscanto Safe insurance