Berner Kantonalbank

Berner Kantonalbank is the cantonal bank of Bern and serves private and business customers through its own branch network. The construction loan is part of the bank's in-house mortgage offering, so this is not independent brokerage across several lenders. Financing covers everything from single-family homes and condominiums to multi-family and commercial properties.

Anyone who wants to lock in rates already during the building phase can convert the variable-rate loan into a fixed-rate mortgage. For follow-up financing, options include fixed-rate mortgages and SARON mortgages, among others. The website offers an initial cost estimate through a mortgage calculator, and advice is available in German and French.