BCGE Personal loan

Account at BCGE mandatory
Lower interest rates for homeowners

General conditions:

Only for people who live in the canton of Geneva or live in the canton of Vaud and work in the canton of Geneva.

Account with the BCGE compulsory.

At the end of the term, if the loan is repaid successfully, 1% of the amount (without interest) will be refunded as a bonus premium.

There are special interest rates for the following purposes and persons:

3.9%: Only for homeowners who are planning a sustainable renovation.
5.2%: Only for homeowners, regardless of the purpose.
6.2%: For people who buy a car from a BCGE partner.

Min. effective interest rate:

3.9%

Max. effective interest rate:

7.4%

Minimum amount of loan:

CHF 2500

Max. amount of loan:

CHF 70,000

Minimum duration:

6 months

Maximum duration:

60 months

Minimum age:

18 years

Maximum age:

65 years

Special services:

No residual debt in case of death, Early repayment

Type of loan:

New contracts, increases in existing credits, loan repayments.

Residence permit:

Swiss citizenship or foreigners with a valid permit B, C, G or Diplomat.

Employment:

Regular income from permanent employment without notice. No temporary employment possible, working for at least 3 months. Self-employment is also possible.

Gross income of CHF 40,000 per year mandatory.

Documents:

Wage slip for the last 3 months (for self-employed persons: the last balance sheet(s) and the signed income statement), extract from the debt collection register and ID card.

General information:

Private loan of the cantonal bank of Geneva.
Credit for an energy-efficient renovation: minimum credit amount CHF 20,000, maximum credit amount CHF 100,000.

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