Real estate loan comparison: The best & cheapest financing for remodeling & renovation in Switzerland – Calculate and request directly online

Are you planning to renovate or convert your property or are you dreaming of your own vacation home? Then you’ve come to the right place! With our user-friendly online service, you can quickly and easily find the best real estate loan in Switzerland to suit your individual needs. Immerse yourself in the world of real estate financing and discover how easy it can be to realize your dream of the perfect property!

Real estate loan


Calculate your real estate loan with our real estate loan calculator

Monthly installment:


Compare real estate loans with kredit-vergleich.ch – How it works

Credit calculator

1. calculate desired loan

Start your journey to the ideal real estate loan directly on our homepage. With our intuitive online calculator, you can quickly and easily calculate your ideal loan. Simply enter the required amount and the desired term, and our system will immediately present you with an initial estimate of your possible loan installment. The decisive factor here is of course the interest rate. You can also easily modify this using a slider to play through different scenarios. What interest rate you can get in the end depends on many different factors, but we will be able to help you through our options as the leading loan comparison in Switzerland we will make sure that you get the best possible conditions.

Credit inquiry

2. submit a non-binding loan application

Once you have calculated your desired loan, the next step is to complete the loan application. Our online form will guide you through the process – quickly, easily and securely. Your application and your data will of course be treated confidentially.

Credit comparison

3. we show you the top offers

As soon as we receive your request, we compare the loan offers from various banks and lenders for you. We present you with a selection of the best and most affordable options tailored specifically to your needs and financial possibilities.

Loan disbursement

4. you select the best loan offer and receive the amount paid out

The final step is to select the best offer for you. As soon as you have made your decision, we will take care of the processing. The desired loan amount will be paid out to you quickly and easily so that you can start your project without delay.

All about real estate loans: definition, advantages and areas of application

What is a real estate loan and how does it differ from mortgages?

Calculation of a real estate loan

A real estate loan in Switzerland is a special loan that is used to finance renovation and conversion projects or to purchase a vacation property. It differs fundamentally from a mortgage which is usually used for the purchase of a house or condominium (i.e. an entire property in general). The real estate loan is more flexible and often available more quickly, ideal for short-term or smaller projects.

Advantages of a real estate loan compared to alternative financing options

Real estate loans offer numerous advantages:

  • Speed: Compared to mortgages, the approval process for real estate loans is usually faster.
  • Flexibility: You can use the loan for a variety of projects, from minor renovations to buying a vacation home.
  • Transparency: In Switzerland, all costs are generally included in the interest rate, so you know exactly what you can expect.
  • Early repayment: You have the right to repay the loan early at any time without additional costs or fees.

Application examples: Renovation, conversion and vacation home purchase

  1. Renovation: Whether you’re modernizing your kitchen or remodeling your bathroom, a real estate loan can help you make your dream home a reality.
  2. Remodeling: Would you like to extend or remodel your home? A real estate loan provides the necessary financial support.
  3. Vacation home: Buying a vacation home – in contrast to buying your own home, for which a mortgage must be used – is easier and quicker with a real estate loan.

Find the best real estate loan offers online: A detailed comparison

How to find the cheapest real estate loan: use the comparison calculator

Finding the cheapest real estate loan can be a challenge. But with our online service at kredit-vergleich.ch, this process is child’s play. Here are the steps to find the ideal loan:

  1. Enter the loan details: Enter the desired loan amount and term in the calculator.
  2. We do the work: we compare numerous offers that suit your situation and show you the best options.
  3. Choose the best offer: Compare the conditions and decide on the offer that best suits your needs. The loan amount will then be paid out to you quickly.

Sample calculation: This is how much you can save

Let’s look at a specific example to illustrate the savings made with our comparison service:

Case study:

You are planning to modernize your kitchen and need a loan of CHF 20,000. With a term of 5 years and an average interest rate of 5% from your bank, the interest costs over the entire term would be CHF 2,645.

However, by using our comparison calculator you will find an offer from another bank with a reduced interest rate of 4%. This results in interest costs of around CHF 2,100 over the entire term of the loan. This significant saving of CHF 545 shows how important it is to compare offers and find the best possible loan offer for your project.

In addition, the monthly installment in the example would be around CHF 10 lower, so that you would already have less of a burden during the term.

Disadvantages and risks of real estate loans

Typical pitfalls and how to avoid them

Although real estate loans offer many advantages, there are also certain risks and pitfalls to be aware of:

  • Over-indebtedness: It is important not to borrow more money than you can afford. Careful budget planning is essential.
  • Interest rate fluctuations: Interest rates can vary, which affects the overall cost of the loan. A fixed-rate loan or a fixed interest rate for as long as possible can be a safer option for many people.
  • Project delays: Renovation and remodeling projects may experience unforeseen delays that result in additional costs. Plan a financial buffer in the construction financing.

To avoid these pitfalls, we recommend carrying out detailed financial planning in advance and carefully comparing offers. It is also advisable to consider the flexibility of the repayment terms (e.g. installment breaks) when choosing a loan.

What should I do if my loan application is rejected?

If your loan application is rejected, it is important to understand the reasons for this. Frequent reasons are insufficient creditworthiness or excessive risk. In such cases you can:

  • Improve your credit rating: reduce debts, prove regular income and thus improve your credit rating.
  • Check alternatives: Consider other sources of funding. Feel free to talk to us about possible options.
  • Revise the offer: You may need to reduce the loan amount or adjust the term.

FAQ: Frequently asked questions about real estate loans

What are the current interest rates for a real estate loan?

There is no general or specific answer to this question. Interest rates for real estate loans in Switzerland vary depending on the provider, borrower, loan amount, term and market environment. Interest rates are currently generally between 5% and 10%. It is important to note that these interest rates are influenced by various factors such as your credit rating and current market conditions. However, you can use our comparison to find the most favorable offer for you.

What is a real estate loan?

A real estate loan is a loan that is used specifically to finance renovation work, conversions or the purchase of vacation homes. In contrast to mortgage loans, which are mainly used to purchase entire properties, real estate loans offer more flexibility and are often easier to obtain.

How does a real estate loan work?

2 women renovating an apartment

A real estate loan works in a similar way to other types of loans such as a personal loan You borrow a certain amount from a lender and repay this amount over a fixed period of time with a monthly amount consisting of interest and repayment. The special feature of real estate loans is their use for specific projects such as renovations or conversions.

What do you need to consider when taking out a real estate loan?

You should consider the following when taking out a real estate loan:

  • Interest rates and total costs: Compare different offers with us to get the best conditions.
  • Ability to repay: Make sure that you can repay the loan amount and interest without an excessive financial burden.
  • Early repayment: In Switzerland, you have the right to repay loans early. Find out about the conditions for this.

Can I take out a real estate loan together with my spouse?

Yes, you can take out the loan as a married couple together. In addition to some advantages, however, this can also harbor potential risks, particularly in the area of liability and in the event of divorce.

Real estate loans without equity: options and requirements

How to get your real estate loan even without equity

In Switzerland, it is perfectly possible to obtain a real estate loan without equity. This can be particularly interesting for people who need financing quickly but do not have sufficient savings. The key elements here are:

  • Strong credit rating: A good credit rating is crucial to gaining the trust of lenders.
  • Stable income: A regular and secure income increases the chances of loan approval.
  • Realistic loan amount: Choose a loan amount that corresponds to your financial situation.

It is important to remain realistic and choose a loan amount that is affordable without equity in order to avoid financial difficulties.

Conclusion: Finding the best real estate loan for your needs

Finding the right real estate loan in Switzerland doesn’t have to be a complicated process. At kredit-vergleich.ch, we support you in making an informed decision that meets your individual needs and financial possibilities.

Remember that we at kredit-vergleich.ch are always ready to support you every step of the way. Whether you want to renovate your dream home, remodel your apartment or finance a vacation home, we’re here to help you find the best loan for your project. Simply send us an e-mail to info@kredit-vergleich.ch or use our non-binding inquiry form: