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Building your home

Have you found the perfect plot of land and would like to build? Whether it's a property development or a personal project, explore our flexible, customised options and finance your building project at a rate of 2.25%*.

Your construction loan at Crédit Agricole next bank

Advice and expertise

As specialists in the field, we will check the solvency of the general contractor or analyse your project if you are using an architectural firm.

Customised solutions

Partial or total consolidation, or combined with a mortgage, we adapt to your situation.

Optimising your budget

Interest, deductions? We can help you find the most suitable financial package.

Anticipating rate hikes

Combine your building loan and your mortgage in a single contract to avoid a potential interest rate hike and simplify the administrative process.


Build your home to Minergie or CECB standards and benefit from a preferential interest rate with our eco-loan offer.

The construction loan in detail

How it works

The ,construction loan is a current account loan. Once your own funds have been paid into the account, we use your loan to pay for buying the land and for all the invoices relating to the various works during the building phase. You can keep track of all the expenses and the progress of the work thanks to periodic statements of the invoices paid.


The interest on your construction loan – the intercalary interest – can be paid during the building phase or included in the overall amount of your financing.

This alternative avoids your having to bear a double burden if you have to pay rent while waiting for your new home to be built.


You can convert part of your construction loan into a mortgage loan during the building period, as the work progresses. In this way, you protect yourself against a rise in the markets by setting your rate on this first instalment. Your mortgage interest is tax-deductible from your taxable income.

Your construction loan is converted into a mortgage, in one go, at the end of the building phase. You decide how to divide your loan into different interest rate bands, with different terms to suit your personal and professional situation.

A mortgage that supports your eco-responsible projets

Are you concerned about protecting the environment and want a home that reflects your values? Take advantage of our attractive terms and save on your energy bill.

Comprehensive energy advice

Our experts will help you simulate and plan your project, and offer you tax and legal advice, whatever the canton concerned.

Preferential rate

Does your home meet our eco-efficient and sustainable criteria? You'll benefit from a preferential rate.

Lock in the rate for free

Take advantage of our competitive interest rates and set your mortgage rate 12 months in advance, free of charge.

3 steps to get your eco-responsible project started


Evaluate the energy performance of your property

With our tool for optimising your energy consumption, answer a few simple questions and quickly get:

  • an estimate of your property's energy performance;
  • a list of recommendations for renovations to be carried out, in order of priority, over several years.

Contact us for a financing proposal and personalised support

We understand that every project is unique, which is why our advisors are there to guide you through every stage of your project.

We will support you with:

  • simulating your renovation needs (heating requirements, CO2 emissions before and after renovation, etc.)
  • the requirements you must meet and the subsidies that are available to you, at both federal and cantonal level.

Get in touch with an approved professional to obtain your CECB Plus certification

The Cantonal Energy Certificate for Buildings (Certificat énergétique cantonal des bâtiments, CECB) measures the quality of a building's envelope, its overall energy performance, and its direct CO2 emissions. To take things one step further, the CECB Plus also offers an advisory report with a view to energy renovation.

The CECB Plus also enables you to secure subsidies, depending on the canton, and mortgages at preferential rates, such as our eco-loan offer.

Conditions governing eco-loan for building

  • New buildings are built to current standards by default, so you automatically benefit from our eco-loan offer.
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Crédit Agricole next bank: one of the best banks for your loans and mortgages in 2024

Crédit Agricole next bank was named one of the best banks of 2024 in the "Loan and mortgage offer" category in the rankings carried out by PME, Statista and Handelszeitung. This recognition is testament to our commitment to always providing you with a comprehensive mortgage offering at attractive rates, as well as in-depth advice and expertise in both the Swiss and French property markets.

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Need advice on your mortgage?

Help us understand your needs, and we’ll call you back.

* The above mortgage interest rate applies to financing in Switzerland as part of our "Combi Construction" offer. It is indicative, without guarantee, subject to conditions, and may be changed at any time. Promotional offers cannot be combined. For more information, please contact your branch.