
Planning to renovate or upgrade your home? A renovation loan in Switzerland helps you finance your project without using your savings.
It might make sense to consider increasing your existing mortgage. However, depending on the amount you wish to invest, increasing your mortgage during the contract term may not always be the best option.
For larger projects not directly linked to your property’s structure, like adding a pond to your garden, a personal loan could be a viable alternative.
Keep in mind that interest paid on a personal loan can be tax-deductible. Additionally, investments that preserve your property’s value can be included in your taxable income, potentially reducing the impact of the imputed rental value.
It’s crucial to ensure that you can repay your loan before your next mortgage negotiation, as an active loan could negatively affect your credit evaluation.
If you are a homeowner with no remaining mortgage payments, a consumer loan is the simplest and most cost-effective solution. We finance your personal projects with amounts ranging from CHF 5'000.– to CHF 400'000.–, terms from 6 to 120 months, and interest rates starting at 4.9%.
We offer flexible, tailored financing solutions for renovation and decoration projects that fit perfectly within your budget.

Michel is a 42-year-old Swiss resident in Lausanne. He has been working at Swisscom for 20 years and has held an executive position in the SME department for 7 years. His net salary is CHF 10'500.–. Michel is divorced from the mother of his three sons (aged 8, 12, and 14) and remarried two years ago to a lawyer who earns a net salary of CHF 6'800.–.
Michel owns an 8-room villa in Lausanne. Six years ago, he took out a loan of CHF 40'000.– to build a concrete pool, leaving only CHF 6'000.– to be repaid within the next year. Now, he wants to repaint two bedrooms and expand his home by building a separate studio with its own entrance, kitchenette, and bathroom to rent out to students.
The total estimated cost for the project is CHF 60'000.–. Michel applied for an increase in his personal loan for this amount. The online simulator suggested a monthly payment of CHF 660.– over 120 months at an interest rate of 4.9%. Michel has no debt collections or payment defaults.
The advisor at CC Crédits Conseils SA informed Michel that his maximum loan amount was increased by CHF 20'000.– thanks to his wife’s income and their healthy financial situation. Michel plans to use the additional funds to replace his old oil boiler with a more eco-friendly and cost-effective geothermal system.
Since a loan increase requires a new contract, Michel had to reapply and submit the necessary documents. He took advantage of this opportunity to switch banks, benefiting from a lower interest rate.
Michel received a loan of CHF 80'000.– CHF over 120 months with a monthly payment of CHF 843.– at an interest rate of 4.9%. No administrative fees were charged.

To learn more about the criteria for obtaining a loan in Switzerland, it’s important to understand that lenders consider factors such as age, employment status, and residency. Find out in detail how these rules influence your chances of obtaining a loan by visiting the linked page.
Calculation example
Loan of CHF 20'000. An effective annual interest rate between 4.9% and 10.95% and a term of 48 months generate total interest between CHF 2'018.10 and CHF 4'549.60. Term: 6-120 months; Maximum annual interest rate (including all credit charges) 10.95%. The granting of a loan is prohibited if it leads to the over-indebtedness of the consumer.(Art. 3 LCD)
Put your trust in the experience of Crédits Conseils – without obligation and with zero risk.
Request
Request your loan by using the online form or by calling us.Complete your information and send your documents
Submit the mandatory documents and relevant information we need to assess your loan request.Assessment and offer
Final response in less than 24 hours after receipt of the needed information, mandatory documents and a complete review of your solvency.Contract signing and disbursement of your loan
Swift disbursement after you sign the loan contract and the consequent 14 day right of revocation (cooling-off-period).


