Real Estate Financing

Tailored financing solutions for businesses and private individuals - enabling property investments with clarity, flexibility, and regional expertise.

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Your Property. Our Expertise. Financing that Fits.

Whether you're a business aiming to expand your real estate portfolio or a private individual planning your dream home, CIC (Switzerland) offers customized financing solutions that align with your objectives. Our flexible mortgage models and swift decision-making processes provide the financial clarity and support you need to realize your property ambitions.

Real Estate Financing with CIC (Switzerland): Your Benefits

Flexible Financing Models

Choose from a range of mortgage options tailored to your specific needs, ensuring optimal capital deployment for your property investment.

Real Estate Expertise

Leverage our extensive experience in financing both commercial and private real estate projects, providing you with comprehensive support throughout the process.

Swift Decision-Making

Benefit from our streamlined processes and short decision-making paths, ensuring a prompt and efficient financing experience.

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.
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: CIC (Switzerland) does not finance any construction projects or real estate outside Switzerland.

Let's Build on Your Plans

Whether it's your next business space or your personal home, we're here to finance it with precision, speed, and expertise.

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Investing with Vision

Real estate is capital with potential - and we help you unlock it. From the search to the structure, we support you in financing investment properties that perform. With experience, discretion and a clear view of what lies ahead.

Private Property, Defined.

Your home - it’s a vision brought to life. Whether buying, building, or renovating, we offer financing solutions that reflect your ambitions and secure what matters. We guide you with foresight and focus, including through mortgage renewals and upgrades.

Rooted Here

Our regional presence and long-standing expertise give us the perspective to advise with clarity and impact. Backed by proven financing models, we help position your real estate plans on solid ground - from strategy to execution.

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