Renov­a­tion loan

Home is where the heart is

Desired Credit Amount
Duration in Months
Interest Charges fromCHF toCHF 
Monthly Rate fromCHF 1'474toCHF 1'900
Nominal Interest from4.10%to5.30%
Apply your Renovation Loan

The minimum repayment period is 12 month and maximum repayment period is 84 month. The effective annual interest including fees and death insurance "CG24 Safe" is minimum 4.8% and maximum 9.9% and is calculated on the basis of your personal financial situation by CreditGate24 (Schweiz) AG. Example for a private loan of CHF 30’000 with a term of 24 months: Effective annual rate is 5.875% (rating AA, incl. fees and insurance), CG24 fee (one-time): CHF 504 (This amount is deducted once from the amount of the loan requested), monthly rate: CHF 1’303 (Amortization, interest rate costs and insurance), total interest rate costs: CHF 1’194, total insurance fee: CHF 91, total costs (credit amount including interest rate costs and insurance fee): CHF 31'286. The grant of a loan is forbidden if it leads to over-indebtedness (Art. 3, Federal Unfair Competition Act).


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).

Your rat­ing:

* 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.

Apply now


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.

Transparent fees

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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