Financing
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Mortgage loans & real estate financing
With our comprehensive range of real estate financing products, you can easily make your dream of owning your own home come true. We are one of the leading lenders in Liechtenstein and the region of Eastern Switzerland, and our experienced specialists will actively support you in determining the best financing option for your new construction, alteration of a property or real estate acquisition. Our assistance also includes optimally matching the terms and interest charges to your asset situation.
Mortgage calculator
Do you dream of owning your own home, and would like to know whether your financial means are sufficient? With our mortgage calculator, you can determine the affordability of your future real estate and the monthly charges in just a few steps. It’s quick, easy and uncomplicated.
Our real estate financing offers in detail
Money market mortgage
A money market mortgage is a form of medium- to long-term real estate financing that is based on short-term interest rates.
With a money market mortgage, you can benefit from low or falling money market interest rates. However, such a mortgage requires a corresponding risk tolerance and risk capability. Within the framework of the twelve-month term, the interest rate can be redefined in fixed periods (one- or three-month interval). At the end of such a period, you can also make a one-time switch to a fixed-rate mortgage.
Characteristics
| Minimum amount | CHF 100,000 |
| Interest rate | SARON* plus an agreed margin for the entire term |
| Interest date | Semi-annually |
| Amortisation | Individual, depending on contractual agreement |
| Cancellation | Not possible during term |
*The Swiss Average Rate Overnight (SARON) is based on market transactions as well as binding rates in the CHF money market. It is calculated and published by SIX Swiss Exchange AG on a daily basis.
Advantages
- Opportunity to benefit from falling money market interest rates
- High flexibility with the option of switching to a fixed-rate mortgage free of charge during the framework term
Restrictions
- Repayment not possible during the agreed term
- Hedging of interest rates in the upward direction not possible
Construction loan
A construction loan is suitable for financing new construction as well as alteration or comprehensively renovating an existing property.
With a construction loan, you finance new construction as well as alteration or renovation. A separate construction account on a current account basis allows you to pay the invoices of the companies and tradespersons you commission from a single key account. After completion of the construction phase or at previously defined times, you have the option of converting the construction loan into one of our mortgages. The interest rate of the construction loan is variable and based on trends in the money and capital markets. Interest on debt and credit commissions are settled at the end of each quarter and debited directly from your construction account.
Characteristics
| Interest rate | Variable, plus a credit commission |
| Interest date | Quarterly |
| Amortisation | None during the construction phase |
| Cancellation | At any time with advance notice of six months |
Advantages
- Optimal overview of payments made according to construction progress
- Calculation of interest and commissions only on the debt balance that is actually claimed
- Free choice of another VP Bank mortgage product after completion of the construction work
Restrictions
- Interest rate may fluctuate during the construction phase
VP Bank – your reliable financing partner in Liechtenstein
- Personalised support: Our mortgage specialists in Liechtenstein provide you with personalised support and develop a financing solution that is tailored precisely to your needs.
- EEA access: Thanks to our site in Liechtenstein and our international network, we can implement structured financing solutions for clients with cross-border assets.
- Stability and independence since 1956: As an independent bank headquartered in Liechtenstein with a strong capital base, VP Bank offers legal certainty and reliable long-term terms and conditions.
- Support right up to the handover of keys: Dedicated contact persons coordinate all stages of the financing process – from the initial consultation to the disbursement of the mortgage loan – so that you can concentrate on your new home.
Arrange an appointment now
Silvan Stettler
Head of Client Advisory Corporate Clients & Loans
Arrange an appointment now
Silvan Stettler
Head of Client Advisory Corporate Clients & Loans