Homeowner project loan

Homeowner project loan

Make the most of an advantageous rate of 4.50% to carry out a project that is close to your heart.

A preferential rate of 4.50%.

Interest paid is deductible from taxable income

A loan including the renunciation of the remaining balance due in the event of death

The payment of a cash-bonus at the end of the loan period when the loan has been fully repaid

The essentials

Financing your dreams

Would you like to make a project a reality or seize an opportunity (travel, vehicle, etc.) but do not have enough cash? As an owner of a property in Switzerland, the homeowner's loan gives you access to flexible loans at a preferential interest rate.


Ease and speed of execution

To assist you in your project, BCGE will inform you of its decision on granting you a personal loan within 24 hours of receiving the required documents.


Bonus at the end of the contract

A cash-bonus corresponding to 1% of the amount borrowed (excluding interest) is paid to you at the end of the loan period and when the loan has been fully repaid.



Further information

Conditions

  • Swiss resident
  • Owner of a property located in the canton of Geneva (the borrower must be registered in the Land Register)
  • Subscription from the age of 18
  • Loan amount: minimum CHF 2'500, maximum CHF 70’000
  • Duration: From 6 to 60 months
  • Early repayment: no penalty (except processing fee)
  • Cash-bonus: at the end of the contract the client may request a cash-bonus of 1% within 3 months after payment of the last monthly instalment, provided that:
    • No early repayment
    • Payment of the client's full salary into an account with BCGE throughout the loan period
    • No late payment of monthly personal loan instalments (no overdraft on this account during the entire period of the loan)
    • No overruns
  • A loan will not be granted if it causes the consumer to become over-indebted


Revocation period

The Federal Law on Consumer Credit grants the client a 14-day reflection period. Provided that the client certifies that he has not exercised his right of revocation, the funds are released on the 15th day.

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