Financing

Real estate financing for companies

A flexible mix of conditions and a comprehensive range of products and services for your real estate project.

Your benefits at a glance

  • A variety of financing models for your maximum benefit
  • Opportunity to switch the mortgage model within your credit line
  • Precise and prompt processing thanks to short decision paths

Strong re­gional roots

Our regional networks and our many years of experience enable us to make a difference in the advice we provide. Based on our mortgage models, we make a significant contribution to the success of your real estate project.

Real es­tate fin­an­cing for com­pan­ies

We also offer you the financing of real estate as investment properties or as investment loans. In doing so, you conclude a framework credit agreement for the amount of liquidity you require. Within the framework loan, you can use various financing models flexibly and individually according to your needs.

Over­view of mort­gage op­tions

Model

Main fea­tures

Suit­ab­il­ity

Fixed-rate mortgage
  • Fixed interest over the entire term
  • Term of 2-10 years.
  • You know the long-term costs of financing and want to use fixed values in your calculations.
  • You expect interest rates to rise.

Variable-rate mortgage
  • Variable interest determined by the current market situation.
  • No fixed term
  • Can be terminated at any time subject to a six-month notice period.
  • You wish to remain flexible.
  • You want to profit from the movements of the market and are able to bear the respective risk.
Flex mortgage
  • Interest rate based on the daily compounded SARON® («SARON® Compound»)
  • Interest rate period: 1, 3, or 6 months
  • Interest rate: known at the end of the interest rate period
  • Minimum contract term: 3 years (product switch possible at the end of the interest rate period )
  • You would like to benefit from the generally lower money market interest rates or are expecting interest rate cuts.
  • You can absorb interest rate fluctuations.

Current account overdraft
  • Variable interest rate plus 0,25% lending fee p. a..
  • No fixed term.
  • Largely equivalent to the variable-rate mortgage.
  • You require flexibility in your use and repayment of short-term credit.

Construction loan
  • Variable rate of interest and partial consolidations are possible.
  • Converted into a mortgage on completion of construction.
  • On current account basis.
  • You wish to realise a construction, conversion or renovation project.

Land loan
  • Fixed or variable interest rate.
  • Term maximum of 2 years.
  • You wish to (pre) finance land ready for building.

Please note: Banque CIC does not finance any construction projects or real estate outside Switzerland.