Home is where the heart is
The purchase of a home is an investment for your future and it`s no surprise that many strive to increase their property value by undergoing home renovations. Instead of adding financial strain to your mortgage, we recommend the CreditGate24 renovation loan. Save money with our low interest rates, and let us help you remain flexible and independent with our renovation loan.
With alternative energy systems and modern technical equipment, you can save a lot of electricity and money in the future, which is exactly what you can do with our renovation loan. Our loan process is efficient and easy. You can submit your loan application directly online using our secure website. After we have received your online application, we will send your personal loan offer in a few days.
Main criteria for obtaining a loan
- Age of 18-65 years
- At least a B residence permit for 12 months (if you do not have a Swiss or Liechtenstein ID)
- Uninterrupted employment in Switzerland or Liechtenstein and not during the probationary period
- Minimum income CHF 3'500
- Do you have a paid debt collection service or a blocked credit card? We may still be able to offer you financing (if there are significant entries in the creditworthiness databases, financing is not possible).
* The APR includes the nominal interest rate, the life insurance and the service fee.
If you use our online platform, you benefit from low nominal interest rates from 2.94% p.a. * (corresponds to an effective interest rate of 5.13%), a simple loan application and a quick loan decision. With our online application, you decide for yourself when you want to apply for your personal loan.
FINANCING THE EASY WAY
Register online and apply for your personal loan directly from home.
Based on your documents, we will create your personal loan offer.
With your signature, we will put your loan project online.
Our investors will finance your loan and we will transfer the loan to you after a maximum of 14 days (compliance with the KKG).
Valuable and value-enhancing renovations
Whether it`s upgrading your kitchen to be more practical, or renewing the heating system, to the installation of alternative energy systems, each require special financing.
Let CreditGate24 find the best solution that works for your personal situation. Together we will find a renovation loan that best suits your personal situation. Did you know that your renovation might qualify as a tax deductible if considered a worthwhile renovation? A worthwhile renovation means that while undergoing a structural home improvement, that efficient upgrades are installed at the same time. For example, you might decide to replace your old oven with a new one. However, if new additions are purchased like a steamer, the additional costs will be difficult to recognize and therefore can be partly deducted from taxes.
There are exceptions where the cost of a worthwhile renovation can be deducted from taxes. If the renovation results in increased energy efficiency, you can deduct your costs, which have not been subsidized, directly from federal tax. This includes the insulation of walls and floors, new windows or the installation of a solar system.
SAVE MONEY AND TIME with CreditGate24
Apply for your loan directly online, regardless of opening hours.
Benefit from low interest rates and a simple process.
We are your professional partner for future financing needs.
More than 9'000 customers trust CreditGate24.
Calculate and plan
To help you plan your financing, use the CreditGate24 credit calculator. If you have any questions, please do not hesitate to contact us. We have our live chat and our 24-hour service by phone.
Registration and account opening: free of charge
Loan request: free
CreditGate24 fee: 0.6-0.8% p.a.*
Insurance fee of Generali: already included in the monthly rate **
* Customers will be charged a one-time upfront fee for your loan depending on the term and credit amount. Minimum fee for amortization loans: CHF 100.
** In all grades, the residual debt (up to CHF 100,000) is insured by Generali in the event of death and is not transferred to the heir.
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What is CreditGate24?
We are the leading Swiss online financing platform, providing loans to individuals and SMEs. Modern technology allows us to make the loan process simple and efficient. We bring borrowers directly with private and institutional investors. In doing so, we take over the credit check, monitor the transcripts and provide support for borrowers and investors. As a financing alternative, borrowers benefit from favorable interest rates and investors from attractive returns.