New-build and construction financing
Providers and advisors for financing new builds and renovations, where staged payouts and construction-phase interest come into play.
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Bern · since 1906
Staatliche Finanzinstitution mit landesweit verfügbarem Hypothekarproduktangebot für Neubau und Renovation
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Schweiz
Dezentrales Genossenschafts-Netzwerk mit über 200 Raiffeisen-Instituten, die Hypotheken und Baukredite lokal vergeben
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Zürich
The construction financing from Zürcher Kantonalbank pays out mortgage tranches in stages according to building progress into a construction account, covering both new builds and renovations. Interest is charged only on the tranches actually paid out. At each partial payout, the matching mortgage can be selected from the bank's range, and the final statement determines the last payout.
- 4
Freiburg
Wecco AG, based in Fribourg, brokers construction loans and mortgages and by its own account advises independently of any single lender. The construction loan covers new builds, conversions and renovations, paid out according to building progress, with each partial payment requiring approval from both customer and architect. After construction is finished, the loan is consolidated into a mortgage, optionally with the interest rate locked in early through a forward solution. A second location operates in Chailly-Montreux.
- 5
Riehen
Immokredit AG, based in Riehen, brokers construction loans and by its own account advises independently when choosing a financing partner. The construction loan is paid out directly to developers or tradespeople as building progresses, and only the amount actually drawn carries interest. A minimum amount and a quarterly credit commission apply. The building project must be located in Switzerland, and after completion the loan converts into a SARON or fixed-rate mortgage.
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Zuerich
VZ VermoegensZentrum advises independently on construction financing and compares construction loan offers from several lenders. Its fee model is charge-based, with no commission from the lender.
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Bern
The construction loan from Berner Kantonalbank is a mortgage-backed current account loan with a variable rate and no amortization during the building phase. The bank settles invoices from architects, contractors and tradespeople as they come in, and the balance grows as construction progresses. Single-family homes, multi-family buildings and commercial properties all qualify. Once the project is finished, the loan is consolidated into a mortgage, with interest and the credit commission charged quarterly.
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Basel
The construction loan from Basler Kantonalbank runs through a building account that settles tradespeople's invoices, so the real construction costs stay visible at all times. Only the drawn portion of the loan carries interest. For long build times and larger amounts, the bank consolidates parts of the construction loan already during the building phase to lock in conditions for a fixed-rate mortgage early. New builds, renovations and extensions are all covered.
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Aarau
Aargauische Kantonalbank offers construction loans for new builds and larger renovations. The capital is drawn as building progresses, and once construction is finished the loan is converted into a mortgage.
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Chur
Graubuendner Kantonalbank offers construction loans for new builds and full renovations in the canton of Graubuenden and the surrounding area. Building projects in tourist regions with special loan-to-value rules are also supported.
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Luzern
Luzerner Kantonalbank offers construction loans for new builds and larger renovations in central Switzerland. Capital is drawn down as the project proceeds, and after completion the loan converts into a mortgage.
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Liestal
Basellandschaftliche Kantonalbank finances construction costs through its construction loan in stages tied to building progress, forwarding invoices from architects and contractors directly for payment. Only the amount actually drawn carries interest, and there is no amortization obligation during the building phase. The drawn amounts can be converted into a mortgage in tranches, either during or after construction.
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Schwyz
Schwyzer Kantonalbank offers a construction loan for new builds, conversions and larger renovations, with payments released as building progresses. Only the portion of the loan actually used carries interest, charged quarterly. Conversion into a suitable mortgage is possible during or after the building phase, and the loan can be terminated at any time.
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Sitten
Walliser Kantonalbank provides its construction loan as a current account, through which invoices are paid according to building progress. The customer and the architect confirm each invoice before payment, and interest is charged only on the amount actually used. After construction is complete, the loan converts into a fixed-rate or variable mortgage, with partial consolidation possible already during the building phase.
- 15
Appenzell · since 1872
Kantonalbank mit Hypothekar- und Baufinanzierungslösungen für die Region Appenzell.
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Tessin · since 1907
Tessiner Kantonalbank mit Spezialwissen für Hypotheken und Baufinanzierung in der italienischsprachigen Schweiz
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Freiburg · since 1796
Freiburger Kantonalbank mit spezialisiertem Angebot für Baufinanzierung im französischsprachigen Raum.
- 18
Genf · since 1816
Genfer Kantonalbank mit etabliertem Hypothekenangebot für Baufinanzierungsprojekte.
- 19
Bern
Versicherungsgesellschaft mit etabliertem Hypothekarprodukt und Baukreditlösungen für Immobilienfinanzierung
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Luzern
Versicherungsunternehmen mit etabliertem Hypothekarmodell und Baufinanzierungslösungen für Eigenheime
- 21
Zug
The construction loan from Zuger Kantonalbank targets new builds, renovations and conversions, with interest charged only on the portion of the loan actually used. Payouts to tradespeople are checked by the bank and tied to building progress. There is no minimum amount and no fixed term, interest is due quarterly and can be adjusted at any time. After construction is finished, the loan converts into a mortgage.
- 22
Zürich
Internationaler Versicherungskonzern mit Hypothekarproduktlinie für Neubau und Umbau in der Schweiz
- 23
Nidwalden · since 1850
Regionale Kantonalbank mit Hypothekar- und Baufinanzierungsprodukten für Nidwalden.
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Weinfelden
The construction loan from Thurgauer Kantonalbank is structured as a current account credit and finances new builds, conversions, extensions and renovations. Interest is charged only on the amount drawn and is billed to the construction loan quarterly. Repayments can be made at any time via deposits into the building account. When converting into a mortgage after construction is finished, the amortization schedule is fixed.
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Uri · since 1865
Kleine Kantonalbank mit Expertise in Hypotheken für alpine Regionen und kleinere Bauprojekte
Frequently asked questions
Wie funktioniert die Auszahlung des Geldes während der Bauphase?
Die meisten Anbieter zahlen den Kredit in Etappen oder Tranchen aus, die sich am tatsächlichen Baufortschritt orientieren. Oft werden Rechnungen von Handwerkern, Architekten oder Bauträgern direkt vom Kreditkonto beglichen.
Muss ich bereits während des Bauens die volle Hypothek verzinsen?
Nein, Sie zahlen meist Bauzinsen nur auf den Teil des Kapitals, den Sie tatsächlich beansprucht haben. Dies geschieht oft über ein Baukonto oder ein Kontokorrentdarlehen, wodurch die Zinskosten während der Bauphase gering bleiben.
Was passiert mit dem Baukredit, wenn das Haus fertiggestellt ist?
Sobald das Bauprojekt abgeschlossen ist, wird der Baukredit in der Regel in eine klassische Hypothek umgewandelt. Dieser Prozess stellt sicher, dass die Finanzierung nahtlos vom Bau zum langfristigen Wohneigentum übergeht.
Gibt es unabhängige Berater, die verschiedene Kreditgeber vergleichen?
Ja, es gibt spezialisierte Vermittler und Beratungsstellen, die Baukredite und Hypotheken unabhängig von einzelnen Geldgebern vergleichen. Einige dieser Berater arbeiten auf Honorarbasis statt durch Provisionen der Banken.
Kann ich mit einem Baukredit auch Renovationen finanzieren?
Ja, viele Anbieter decken neben dem Neubau auch grössere Renovationen oder Gesamtsanierungen ab. Dies gilt sowohl für staatliche Institutionen als auch für lokale Kantonalbanken.