Does your property stand out due to its ecological construction method? Or has it been sustainably renovated? If so, you can save interest costs with our green mortgages.
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30% of global CO2 emissions are caused by the real estate sector.
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40% of Swiss energy is consumed by the national building stock.
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2% of Swiss real estate would need annual energy refurbishments to fulfil the Energy Strategy 2050.
In brief
As a self-determined property owner, is environmental protection particularly important to you? Would you like to take environmental considerations into account when buying or renovating your home?
If so, a green mortgage with favourable interest rates is just right for you. You can take out a green mortgage if your home meets Swiss Life’s criteria for environmental sustainability. For this you will need one of the following:
- Minergie certificate
- corresponding Cantonal Energy Certificate for Building (CECB®)
- Norm Verified Class
- THPE standard (Canton of Geneva)
Buildings without an energy certificate or with an insufficient CECB® / Norm Verified Class rating qualify for the green mortgage if energy-related measures are planned. We can provide you with comprehensive information on home ownership and mortgages and, thanks to our attractive mortgage solutions, you can find the right financing for your property.
What is the Norm Verified Class?
The Verified Class energy certificate from Norm Technologies Ltd simplifies the path to a green mortgage. The intuitive Norm web app enables the energy efficiency of a building to be determined without the need for an expert to visit the building. This shortens the waiting time and reduces the costs of obtaining an energy certificate that is accepted by Swiss Life and required for a green mortgage.
The advantages of a green mortgage at a glance
- The energy saved helps to protect the climate and the environment.
- Advantageous interest rates with the green fixed-rate mortgage and green SARON mortgage
- Lower operating costs due to reduced energy consumption
- Greater long-term marketability of your property
- In some cases, there is an entitlement to cantonal funding and subsidies for the implementation of measures to enhance energy efficiency.
Current mortgage interest rates
Attractive financing conditions for your apartment or home with a Swiss Life mortgage.
Personal offer
We will need your mortgage application to make you a personal offer. Please fill in and send us the following form.
Call the mortgage team
Give us a call! Our mortgage team would be pleased to assist you further.
Make a consultation appointment
Are you interested in taking out a Swiss Life mortgage or do you have general questions regarding real estate financing? Then make an appointment for a consultation now. We would be pleased to provide you with more information – in a personal and non-binding consultation. Instead of advising you at our General Agency or at your home we would be happy to advise you in a video call.
FAQs about green mortgages
MINERGIE® certificate:
- The regular fees depend on the energy reference area and building standard (between CHF 1200 and CHF 3700 for properties under 250m2).
- Once issued, the certificate is valid indefinitely.
CECB®:
- The costs for a CECB® or CECB® Plus vary depending on the building, region and specialist (CHF 600 to CHF 2700 for a single-family home).
- The CECB® / new-build CECB® is valid for ten years, while the provisional CECB® is valid for three years.
Norm Verified Class:
- The Norm Verified Class costs Swiss Life mortgage customers CHF 650 excl. VAT for a single-family home and CHF 950 excl. VAT for an apartment building.
- The Norm Verified Class is equivalent to a CECB® and is valid for ten years.
- Year of construction < 12 months = A, B
- Year of construction > 12 months = A, B, C
- If level D, E = modernise within 24 months with CECB® Plus
Please note: all three efficiency values – the quality of the building shell, the overall energy balance and the direct CO2 emissions – must satisfy the requirements for the energy class.
Obtain a CECB® Plus. Make sure you check whether the canton offers any subsidies for the construction project and apply for them. Submit the CECB® Plus and the renovation offers together with the mortgage increase application. The planned measures listed on the CECB® Plus must then be implemented within 24 months following the mortgage payout. After the measures have been taken, the CECB® Plus must be updated to determine the final value (A-G) and make the “impact” measurable.
The time span from the request for an offer to the issue of the CECB® may vary. We recommend that you apply for the certificate in good time (about one to two months before interest rate fixing).
The time required to enter the property data for a Norm Verified Class is only 15–30 minutes. You will receive the result within two to three weeks.
Modernising your home’s energy efficiency is worthwhile for several reasons: increase the value of your property, enhance living comfort, save heating costs, protect the environment, claim subsidies and benefit from the attractive interest rates on Swiss Life’s green mortgage.
The green mortgage products cannot be combined with the preferential conditions of the Home Option or Option “Complete” of a Swiss Life insurance contract.
If you exit your fixed-rate mortgage before expiry of the agreed term, Swiss Life, as the lender, will calculate the amount of the early repayment penalty individually.
Exception: if you sell your property before expiry of the agreed mortgage term, in which case Swiss Life will not charge an early repayment penalty, provided you have concluded “Option Flex” and the property is not sold to a member of your family.