NEW - FROM 4.7% EFFECTIVE INTEREST RATE*

For a building loan

Apply for a building loan now

CHF 3 000
6 months

More security! Protect yourself against credit default risks now. Find out more.

Your monthly rate *

From
179.10

Including insurance: 10.10

To
181.55

Including insurance: 10.25

All figures in CHF

* The interest rate that applies to you depends on your creditworthiness as a borrower. We determine this together with the effective interest costs based on your detailed information in the loan application. After the creditworthiness check has been carried out, we will inform you of our loan offer by email.

Welcome home:

Thanks to a building loan

Dream no longer of renovation - and increase the value of your property. With a loan from bob Finance, financing your building project is easy and just one application away.

Dream no longer of renovation - and increase the value of your property. With a loan from bob Finance, financing your building project is easy and just one application away.

A good plan: Building loan from bob Finance

We are not a bank. As a subsidiary of Valora Schweiz AG, we finance your building project without tedious paperwork and complicated application procedures.

  • Favourable

    Profit from favourable interest rates

  • Flexible

    Choose loan amounts between CHF 3,000 and CHF 80,000 and maturities between six and 120 months.

  • Online

    Completely online application process

  • Transparent

    Enjoy high transparency and low fees and costs.

Why take out a building loan instead of remortgaging?

You may have considered remortgaging your property instead of taking out a loan to finance your project. That would be a possibility. But you must remain mindful of the formalities involved. From a revaluation of your property to the redrafting of your mortgage deed - it all takes time and money.

A building loan is a much easier, more cost efficient and rapid process. You invest in the actual building work as opposed to paying administrative costs. A loan from bob Finance is a particularly effective way of doing that.

Did you know that a building loan is partially or fully tax deductible? Depending on whether you preserve or increase the value of your property, you can at least deduct the interest or everything.

A building loan from bob Finance can help you to equip your property with the latest energy-saving and environmentally compatible measures. That is how you can help the environment and your own finances.


Make the uplifting calculation

Work with our loan calculator at bob.ch to find a loan sum, term and monthly instalments that suit you. You will then be shown how to proceed with your loan application and the information you provide will be provisionally checked. If the outcome is positive, the key data will be used to generate your credit contract. bob Finance lets you complete the application online in just a few steps.

Make huge steps toward your project

You can view the status of your application and the contract documents online at any time. When you complete the contract and on expiry of the 14-day cooling-off period, the loan amount will be transferred to your account so you can complete your building project quickly.

FAQ

A personal loan is ideal for amounts between CHF 3,000 and CHF 80,000 when fast processing is desired without notary fees or land registry entries. A mortgage increase often requires complex property assessments. For smaller renovations, the personal loan from bob Finance is therefore often the faster and more straightforward solution.

With the renovation loan from bob Finance, you can realize a wide range of projects, for example:

  • Energy-efficient renovations (heat pumps, photovoltaics)
  • Modernizations (kitchen, bathroom, flooring)
  • Outdoor areas (garden, conservatory)
  • Repairs (roof, windows)

Since the loan is not tied to a specific purpose, you decide freely how to use it.

In Switzerland, interest on a personal loan can be deducted from taxable income in the tax return. Whether the renovation costs themselves are also deductible depends on whether the measure preserves or increases the property's value. We recommend clarifying this with your tax authority or a tax advisor.

You have the right to repay your loan early at any time. A final settlement fee may apply. If your project turns out to be cheaper than planned, you can reduce your interest costs this way.

bob Finance offers personal loans for renovations from CHF 3,000 to CHF 80,000. You can choose a term between 6 and 120 months. The effective annual interest rate is between 4.7% and 9.9% depending on creditworthiness.

Perfectly advised

Our professional and attentive advisors support you live via the support chat or by phone through our hotline.

Contacts

Our professional and attentive advisors support you live via the support chat or by phone through our hotline.

Contacts