Home Renovation Loan
Calculate your Renovation Loan. Apply online.
Benefit from greater freedom with a home renovation loan tailored to your needs.
A flexible loan tailored to your renovation project.
1 in 3 borrowers underestimate the true cost of their renovation. Your Credial advisor will provide a financing solution with a flexible reserve tailored to your needs.
Customize your monthly payments to fit your preferences.
At Credial, we know that your financial situation can change. Your advisor will explain how to adjust your monthly payments according to your needs.
Secure the best rates for your renovation loan, starting at 5.9%.
Thanks to our experts' careful preparation of your file, you are guaranteed the best financing terms from our partner banks.
Our renovation loan offers you Much more
Credit consolidation service to lighten your budget
Take advantage of your new financing for Group your monthly credit bills, leasing and credit cards. Your Credial advisor will take care of all the procedures to allow you to simplify your budget.
Take advantage of full interest deduction on your renovation loan.
Your renovation loan allows you to deduct the interest on your credit for tax purposes. In addition, if you are an owner, the amount of work done in your home is also deductible. A double tax advantage.
ZEK solvency check: Verify your data before applying for financing.
Your Credial advisor will provide a comprehensive analysis of your ZEK data and outstanding loans, helping you make the right decisions for financing your project.
How does credit brokerage work with Credial?
Submit your request online quickly and without obligation.
If you have any questions, our advisors are available to assist you throughout the process of opening your file.
During the discovery interview with a specialist, you will receive all the necessary information, clarify your needs, and effectively prepare your application.
This personalized approach ensures you will find the ideal financing with complete peace of mind.
Once the bank's approval is obtained, typically within 48 hours, your personal advisor will take the time to clearly present your financing solution.
You will then have the opportunity to customize the offer to perfectly meet your needs.
The legal withdrawal period of 14 days is established by the law on consumer loans. However, be aware that you do not have to activate the credit after this period has elapsed.
In addition, for global financing exceeding CHF 80,000, you have the option of receive the funds immediately, which will be transferred to the account of your choice.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity. Cela vous permettra dans certains cas d'éviter un refus.
A personalized and adaptée
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Your questions on private credit in Switzerland.
Can the funding amount be adjusted to match the final scope of my project?
Yes, you can generally adjust your funding amount to match the actual cost of your project. If your budget permits, you may borrow more than initially estimated, creating a financial cushion for contingencies or unforeseen expenses. Should you later find that you don't need the full amount, you can repay the excess early without incurring additional costs.
How is my personal data used during the credit application process?
Credial’s credit application process prioritizes the security of your personal data at every stage. All of Credial’s partner banks are based in Switzerland, ensuring full compliance with Swiss data protection laws and regulations.
Strict security measures are implemented to safeguard the confidentiality of your information during collection and transmission to partner banks. You can be assured that your data is handled with the utmost care and in accordance with legal requirements.
What documents do I need to apply for a renovation loan?
To obtain a work credit, you will need to provide the standard documents required for a credit application. This typically includes a copy of your valid ID, information about your financial situation, and recent proof of your income.
One of the key advantages of a construction loan is that, unlike other types of loans, you are not required to provide detailed invoices or estimates for the work to be undertaken.
For more information and a complete list of required documents, visit our page: Required Documents for Credit Application.
What kinds of projects can a renovation loan finance?
A renovation loan can be used to finance any project focused on improving, renovating, or maintaining your home.
Who will be in charge of my loan application
Your Credial personal advisor will be in charge of your file. This financial advisor will be your main contact person and will take care of the entire processing of your file. He will be responsible for coordinating all steps of the process, including communication with the bank or financial institution, to ensure that your credit application is managed professionally and effectively.
