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


Main features


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.

LIBOR mortgage

  • LIBOR interest rate based on the six- or twelve-month LIBOR rate.
  • No fixed term (at least 2 years, a product switch is possible at any time).
  • Hedging against rising interest rates possible.
  • You wish to take advantage of the generally lower short-term interest rates or expect interest rates to fall
  • You are able to accept 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.