Build, convert, develop: financing in two stages
During the build a construction account is opened and invoices are paid as they come in. When work is finished the loan is consolidated into a definitive mortgage. Two stages, two negotiations — and it is the second that weighs on the next twenty years.
Construction loan
A credit line drawn down as building work progresses. You pay interest only on the amounts actually used — the interim interest, usually capitalised until consolidation.
Consolidation
The loan becomes a long-term mortgage. The consolidation rate is negotiated from the outset: that is precisely the point most borrowers let slip.
Guarantees and reserves
A general contractor agreement or separate trades, performance guarantees, a 5 to 10% contingency reserve: the bank requires them, we prepare them.
Building from plans?
Send us the construction specification and the overall cost estimate. We come back with a complete financing plan: construction loan, estimated interim interest and consolidation terms confirmed in writing.
It is this simple…
- Quick and simple
- No commitment
- Free for you
Fill in the form
Three minutes, with no documents to upload. We come back to you if anything is missing.
Receive several offers
Your file goes to the lenders best suited to your profile, not just to your own bank.
Compare and choose
A clear table: rates, terms, amortisation, fees. You decide, we negotiate and see it through to signature.
All of French-speaking Switzerland
Our advisers travel to you or meet you by video conference. The whole file can be handled remotely if you prefer.
- Geneva and surroundings
- Nyon, Gland, Rolle, La Côte
- Morges, Lausanne, Renens, Pully, Lutry
- Vevey, Montreux, Villeneuve, Aigle, Bex
- Monthey, Martigny, Sion, Sierre
- Bulle, Fribourg, Moudon, Payerne, Murten
- Yverdon, Orbe, Vallorbe
- Neuchâtel, La Chaux-de-Fonds and the Swiss Jura
Let us talk about your build
A house from plans, a major renovation or a small development: tell us the total budget and how far along the project is. We tell you what is financeable, and on what terms.
- TEL
- 021 888 10 10 Monday to Friday, 9am–12pm and 2pm–5pm · Local rate
- info@immopret.ch Reply within 24 working hours
- VIDEO
- Remote consultation All of French-speaking Switzerland, 30 minutes