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Real estate financing

To ensure your vision becomes reality

Build on a solid foundation, not only when it comes to your own four walls but also in regard to your real estate financing.

With our comprehensive range of real estate financing products, you can easily make your dream of owning your own home come true. We are one of the leading lenders in Liechtenstein and the region of Eastern Switzerland, and our experienced specialists will actively support you in determining the best financing option for your new construction, alteration of a property or real estate acquisition. Our assistance also includes optimally matching the terms and interest charges to your asset situation. Use our mortgage calculator to easily determine the affordability of your dream real estate.

Our real estate financing offers at a glance

Mortgage calculator

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Property location
200000
CHF
A prerequisite for obtaining a mortgage is that a minimum percentage of the lending value must be provided by the borrower with their own capital, and that this must not be taken from occupational-pension assets (early withdrawal or pledge of pension assets). This amount must be at least 20% of the property’s value.
0
CHF
Gross salary net of statutory social-security deductions.
30000
CHF

Result

Affordability
The mortgage will be affordable for you over the long term. Our experts will be happy to assist you with the next steps.
The mortgage will be a major financial burden. We recommend that you meet our experts for an in-depth review of the financing options available.
Net income required
CHF
This is an imputed notional payment.
Monthly payment
CHF

Our real estate financing offers in detail

Fixed-rate mortgage

A fixed-rate mortgage is suitable for you if you want to plan your interest costs for real estate financing over the long term and expect interest rates to rise.

This is because the interest rate remains unchanged throughout the entire term with a fixed-rate mortgage. It is based on the market conditions at the time the mortgage is concluded. For you, the fixed interest rate means expenses that are easier to budget for, because your charge always remains the same.

Characteristics

Minimum amount CHF 100'000, nur als Ersthypothek möglich
Interest rate Fixed
Interest date Semi-annually
Amortisation Individual, depending on contractual agreement
Cancellation Not possible during term
Advantages
  • Constant interest charges even when the interest rate rises
  • Opportunity to benefit from lower interest rates over the long term
  • Precise planning
  • Can be combined with other products
  • Custom combination of several fixed-rate mortgages with different terms possible
Restrictions
  • No opportunity to benefit from a reduction in the interest rate level during the term
  • No cancellation or partial repayment possible during the term
  • Maturity may occur in a period of high interest rates, making refinancing more expensive

Forward fixed-rate mortgage

A forward fixed-rate mortgage is suitable if you want to hedge against rising interest rates at an early stage and lock in your interest costs in advance.

With a forward fixed-rate mortgage, the interest rate can be fixed up to three years in advance. This is subject to a surcharge that depends on the lead time and the term of the mortgage. The most profitable arrangement is to close at a low interest rate level when rising interest rates are expected. Since the interest rate remains constant over the entire term, you can precisely plan your budget.

Characteristics

Minimum amount CHF 100,000, only possible as a first mortgage
Interest rate Fixed for the agreed term
Interest date Semi-annually
Amortisation Individual, depending on contractual agreement
Cancellation Not possible during term
Advantages
  • Costs remain the same even if interest rates rise
  • Opportunity to benefit in advance from lower interest rates over the long term
  • Charges that can be clearly planned
  • Can be combined with other products
Restrictions
  • No opportunity to benefit from a reduction in the interest rate level
  • No cancellation or partial repayment possible during the term

Money market mortgage

A money market mortgage is a form of medium- to long-term real estate financing that is based on short-term interest rates.

With a money market mortgage, you can benefit from low or falling money market interest rates. However, such a mortgage requires a corresponding risk tolerance and risk capability. Within the framework of the twelve-month term, the interest rate can be redefined in fixed periods (one-, three- or six-month intervals). At the end of such a period, you can also make a one-time switch to a fixed-rate mortgage.

Characteristics

Minimum amount CHF 100,000
Interest rate LIBOR* plus an agreed margin for the entire term
Interest date Semi-annually
Amortisation Individual, depending on contractual agreement
Cancellation Not possible during term

* The London Interbank Offered Rate (LIBOR) is the money market rate for interbank lending on the London money market. It is redefined daily.

 

Advantages
  • Opportunity to benefit from falling money market interest rates
  • High flexibility with the option of switching to a fixed-rate mortgage free of charge during the framework term
Restrictions
  • Repayment not possible during the agreed term
  • Hedging of interest rates in the upward direction not possible

Construction loan

A construction loan is suitable for financing new construction as well as alteration or comprehensively renovating an existing property.

With a construction loan, you finance new construction as well as alteration or renovation. A separate construction account on a current account basis allows you to pay the invoices of the companies and tradespersons you commission from a single key account. After completion of the construction phase or at previously defined times, you have the option of converting the construction loan into one of our mortgages. The interest rate of the construction loan is variable and based on trends in the money and capital markets. Interest on debt and credit commissions are settled at the end of each quarter and debited directly from your construction account.

Characteristics

Interest rate Variable, plus a credit commission
Interest date Quarterly
Amortisation None during the construction phase
Cancellation At any time with advance notice of six months
Advantages
  • Optimal overview of payments made according to construction progress
  • Calculation of interest and commissions only on the debt balance that is actually claimed
  • Free choice of another VP Bank mortgage product after completion of the construction work
Restrictions
  • Interest rate may fluctuate during the construction phase

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