Loans for homeowners in Switzerland: a personal loan despite owning your home.
Yes, loans for homeowners exist, and we find yours for you.
A common misconception: if you own a property, you have to top up your mortgage to finance anything. That is not the case. A loan for homeowners is a personal consumer loan, an unsecured loan with no collateral and no guarantor. It is not secured against your property and is not entered in the land register. What matters for approval is your credit capacity, meaning a stable income and clean creditworthiness, not the value of your house.
Home ownership can still work in your favor: it signals financial stability and long-term roots to lenders. The banks do, however, count your mortgage payments and your other housing costs as fixed costs in the credit-capacity assessment; what matters is your freely available income. This is exactly where privatkredit.ch comes in: we compare the banks that grant personal loans to homeowners for you and obtain the matching, no-obligation quote. The loan for homeowners ranges from CHF 5'000 to CHF 300'000, at an annual percentage rate of 4.9 to 9.95 percent and terms of 12 to 84 months, free to use for renovation, a car or paying off expensive loans.
What you need to qualify as a homeowner
These six points are what the banks check before they grant a loan to homeowners. Because it is a consumer loan, what counts is your credit capacity, not the property as collateral. The more clearly you meet the points, the better the terms, and the more precisely we compare the right offers for you.
Regular income
A stable income from employment, self-employment or a pension forms the basis of your credit capacity, evidenced by your last three pay slips or, for the self-employed, your last two annual financial statements. On this basis the banks assess which loan for homeowners they can grant you.
Credit capacity despite a mortgage and housing costs
Your mortgage payments, the ancillary costs and maintenance count as fixed costs in the credit-capacity assessment. As a rule of thumb, the loan installment together with your other obligations should not exceed one third of your freely available income. That is precisely what the banks check for a loan for homeowners.
Residence in Switzerland
A registered residence in Switzerland is required for a loan for homeowners. The payout goes to a Swiss bank account, through which the loan installments also run.
Age 18 to 67
You must be of legal age. The term is chosen so that the installment remains affordable over its entire duration, usually within your working life or in line with your pension income.
No land-register entry needed
Because the loan for homeowners is an unsecured loan, your property is not pledged. No mortgage lien and no land-register entry arises, unlike with a mortgage. Your home stays free of any additional charge from this loan.
Clean creditworthiness
For a loan for homeowners the ZEK register is checked. No open debt-collection proceedings, no certificates of loss, a clean payment history. Other obligations such as your mortgage, loans or leasing are also taken into account.
Three steps to your loan as a homeowner
Fill out the online request
Calculate the installment for your loan as a homeowner, complete the short application and upload your documents such as pay slips right away, securely and encrypted.
Receive an offer
Once your documents are complete, you receive your personal offer for the loan for homeowners within 24 hours.
Payout to your account
After you sign the contract and the 14-day right-of-withdrawal period has passed, the amount is transferred directly to your Swiss bank account.
Three things to know about loans for homeowners
Consumer loan or mortgage increase
For larger construction projects a mortgage increase can be cheaper, because mortgage rates are lower. For fast, uncomplicated and freely usable amounts, the loan for homeowners is often the more direct route, with no land register, no appraisal and no lengthy process. We compare the consumer-loan providers; the mortgage runs separately through your mortgage bank.
Factor in your housing costs fully
As a homeowner you bear the mortgage interest, ancillary costs and maintenance. These fixed costs reduce your freely available income. Plan the installment for your loan for homeowners so that it remains comfortably affordable alongside all your housing costs, and choose the term accordingly.
Unsecured loan, no guarantor
The loan for homeowners is an unsecured loan, meaning without collateral and without a guarantor, and your property is not pledged as security. Under the UCA, no loan may be granted that leads to over-indebtedness. Anyone seeking mortgage-secured financing is better served by their own mortgage bank.
Loans for homeowners: the most frequent questions
- Autor
- privatkredit.ch editorial team, Specialist editorial team for consumer credit
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- 10 June 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Act on Consumer Credit (CCA), SR 221.214.1. Fedlex, Classified Compilation of Federal Legislation. fedlex.admin.ch/eli/cc/2002/593/de
- 2Home ownership and imputed rental value, tax treatment. Federal Tax Administration (FTA). estv.admin.ch
- 3Central Office for Credit Information (ZEK). ZEK, Zurich. zek.ch
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