Private Accounts
BCGE Personal loan
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Account at BCGE mandatory
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Lower interest rates for homeowners
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.
New contracts, increases in existing credits, loan repayments.
Swiss citizenship or foreigners with a valid permit B, C, G or Diplomat.
Regular income from permanent employment without notice. No temporary employment possible, working for at least 3 months. Gross income of CHF 40,000 per year mandatory.
Wage slip for the last 3 months, extract from the debt collection register and ID card.
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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