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Financing renovation or build work

Crédit Agricole next bank can help you finance your plans to renovate or carry out works, be this to save energy, modernise, or add value to your property.

Financing renovation or building work at Crédit Agricole next bank

Amortisation

Choose the type of amortisation.

Winning combination

Combine the renovation/works loan with your mortgage loan or your mortgage takeover.

Tax advantages

Tax-deduct renovations and any work carried out to maintain your property that does not generate added value.

In Switzerland and in France

Whether in Switzerland or in France (in the case of a second home or rental property), your administrative formalities are simplified.

Ecology

Do you meet our eco-efficient and sustainable criteria? Benefit from a preferential rate that you can set up to 12 months in advance, free of charge.

CECB certificate

Crédit Agricole next bank will pay up to 50% of the remaining costs of certification (CECB/CECB+).

Features of the building loan

  • Loan currency: CHF
  • Maximum loan amount: CHF 200,000
  • Beneficiaries: existing or future customers who own property or have an investment project in Switzerland or France
  • Conditions: renovation, conversion, or improvement work on a property used as a main/secondary/rental residence or an investment property

A mortgage that supports your eco-responsible projects

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

1

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.
2

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.
3

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 an eco-loan (list of eligible works)

  • Heating - water heating: changing your heating system to use renewable energy sources (heat pump, wood heating, connection to a heating network, solar thermal systems)
  • Thermal insulation: roof, attic, façades, windows, floor, basement and ground level
  • Controlled airflow and automatic ventilation system: installation of ventilation
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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.

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