Financing

Real estate financing for private individuals

Maximum flexibility in the realisation of your real estate project. With a flexible mix of conditions and a comprehensive range of services, we can meet your specific needs.

Your benefits at a glance

  • Various financing models provide you with maximum benefit
  • Opportunity to switch the mortgage model within your credit line
  • A partner with vast experience in the financing of investment properties
  • Precise and prompt processing with clear-cut points of contact
    and 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.

Private real es­tate fin­an­cing

Buying or building a home of your own often means realising a life's dream. We accompany you throughout this important phase, providing you with advice and assistance. The same goes for renovation and conversion work and for extending mortgages that are about to expire. We also specialise in the financing of investment properties. With these investments we accompany you from the property search to financing, so that you can achieve the expected return.

Over­view of mort­gage op­tions

Model

Main fea­tures

Suit­ab­il­ity

Fixed-rate mort­gage
  • Fixed in­terest rate 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.
CIC 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 start of the in­terest rate period
  • Min­imum con­tract term: 3 years (product switch pos­sible at the end of the in­terest rate period)
  • You would like a de­gree of plan­ning se­cur­ity.
  • 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 term limit.
  • Largely equi­val­ent to the vari­able-rate mort­gage.
  • You want short-term flex­ib­il­ity in the use and re­pay­ment of your loan.

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 2 years.
  • You wish to (pre) fin­ance land ready for build­ing.

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