Real estate loan
Apply for your real estate loan!
MONTHLY PAYMENT FROM CHF 0.00
Get your real estate loan online and secure your property purchase in Switzerland or abroad with complete peace of mind. Take advantage of great terms for your real estate project—no waiting.
The advantages of a real estate loan in Switzerland
Choosing a real estate loan in Switzerland with Lica means opting for a simple, fast, and flexible financing solution. Thanks to our banking network, you quickly gain access to attractive terms. In addition, we offer personalised support to help you complete your property purchase. This way, you can easily find the most advantageous solution for your future home.
Your real estate loan without delay
Your real estate loan application is processed immediately, so you receive a fast and clear response to finance your property purchase in Switzerland or abroad.
Real estate loan without collateral
Unlike a mortgage, the real estate loan is not tied to the purchased property. You are free to acquire the property of your choice without requiring the bank’s approval.
Security and confidentiality
Your data is fully protected, and your request remains confidential. With Lica, every step of your loan takes place in a safe and reliable environment.
Customer satisfaction at 99%
With a satisfaction rate of 99 %, our clients confirm every day the reliability, speed, and unique benefits of our real estate loan solution.
Unlock your purchasing power!
Achieve your real estate project freely with a real estate loan.
A real estate loan is a simple, fast, and fully flexible solution to finance the purchase of a property in Switzerland or abroad. This type of financing offers great freedom, as it is not directly linked to the property you buy. This way, you move at your own pace and maintain full control over your finances, without constraints.
In addition, you can freely choose the loan amount, its duration, and your monthly payments according to your budget and needs. Each element is tailored to your personal situation. As a result, you benefit from clear, stable, and fully transparent terms. This flexibility helps you manage your monthly budget more easily.
With Lica, every step of your application becomes simple, fast, and confidential. You immediately benefit from competitive rates, priority processing, and personalised support. Thanks to our expertise, you bring your real estate project to life in the best conditions. In short, you finance your purchase with peace of mind and a trusted partner by your side.
The solution to make your dream come true
Your real estate loan in numbers
Your real estate loan in just 3 steps
With Lica, getting a real estate loan is simple, fast, and completely transparent. Our clear and efficient process guarantees financing perfectly tailored to your real estate project, in Switzerland or abroad, with personalised support at every step.
I
Complete your application online
Fill out our form in just a few minutes and upload your documents directly online. Your real estate loan application is non-binding and gives you easy access to financing tailored to your property project in Switzerland or abroad.
II
Get the best loan in Switzerland
We compare offers from leading partner banks to provide you with the most competitive conditions. This way, you benefit from a personalised real estate loan at the best rate, perfectly suited to your financial situation.
III
Receive your funds and complete your purchase
Once your application is approved, the funds from your real estate loan are transferred to your account as quickly as possible. You can then finalise your purchase with complete peace of mind, supported by Lica’s team to adjust your financing to your needs.
Reviews that reflect our excellence
They chose Lica for their real estate loan
Those who trust us appreciate not only the speed of the process and the professionalism of our advisors, but also the flexibility of the financing offered. Their experience proves that with Lica, getting a real estate loan means benefiting from personalised support and advantageous conditions to achieve their projects with peace of mind.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
FAQ du real estate loan in Switzerland
Still hesitating to apply for a real estate loan? This FAQ gathers the most common questions to help you better understand how this type of financing works and to benefit from a simple, fast, and advantageous loan to achieve your real estate project.
What is a real estate loan?
It is a personal loan specifically designed to finance the purchase of a property, in Switzerland or abroad. This type of loan combines flexibility and speed, without requiring a mortgage guarantee. You receive the funds directly into your account and remain free to choose the property you wish to buy. The real estate loan thus offers you a tailored financing solution adapted to your project and budget.
Who can apply for a real estate loan in Switzerland?
Any adult residing in Switzerland or in a neighbouring country can apply for a real estate loan. However, a stable and regular income is required to ensure the feasibility of the financing and reassure lenders. With Lica, you can easily complete your application online, without wasting time or dealing with unnecessary complications. We then compare the best offers available on the market for you, objectively and transparently. Even if your profile has specific characteristics, our advisors carefully analyse your situation to find the most suitable solution and help you complete your real estate project in the best possible conditions.
What amounts can I borrow with a real estate loan?
In Switzerland, the amount of a real estate loan can vary between CHF 3'000.- and CHF 400'000.-, depending on your situation and project. With Lica, you can freely determine the ideal amount according to your needs and budget. Whether you want to finance a modest property purchase or a larger project, you benefit from a flexible and advantageous offer designed to help you complete your purchase with peace of mind.
What is the interest rate for a real estate loan?
The interest rate of a real estate loan depends on several factors, including your financial profile, the loan term, and the partner bank that agrees to finance you. With Lica, you benefit from preferential and fully transparent conditions negotiated with leading Swiss institutions. This approach helps you reduce the total cost of your loan and secure an advantageous real estate financing solution to achieve your project in the best possible conditions.
How long does it take to get a real estate loan?
After signing the contract, the funds from your real estate loan are transferred to your bank account. This payment takes place after the legal period of 14 working days, in accordance with Swiss law. With Lica, the process remains simple, fast, and fully secure. You can complete your application online in just a few minutes. We then ensure priority processing and personalised support until the funds are released. This way, you receive your money faster and can complete your real estate project without unnecessary delays.
Can I repay my loan early?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) allows you to repay your real estate loan at any time, either partially or in full, without any additional fees. This flexibility gives you greater financial freedom and helps you reduce remaining interest, saving money over the total loan term. Early repayment is therefore an advantageous option for those who wish to ease their budget or complete their financing sooner.
Are there any processing fees to pay?
With Lica, your real estate financing application is completely free and has no hidden fees. We operate with full transparency — no surprises and no financial commitment on your part. Our compensation comes exclusively from our partner banks, never from our clients. You therefore benefit from professional, neutral, and objective support throughout the process. This way, you gain access to an advantageous real estate loan without any additional costs linked to your application.
What are the requirements to obtain a real estate loan?
To obtain a real estate loan with Lica, simply complete the online application form in full, with no intermediaries. You will need to provide all required information and upload the necessary documents: a valid ID, proof of address, and your last three payslips. Following these steps ensures fast and transparent processing of your file. Once the loan is approved and transferred, the funds will be available in your bank account within a few working days.
Can I deduct loan interest from my taxes?
In Switzerland, the interest paid on a real estate loan is tax-deductible. You can deduct it from your taxable income, directly reducing your annual tax burden. With Lica’s financing solution, you can achieve your project while optimising your budget. You benefit from a real tax advantage combined with favourable loan conditions, allowing you to finance your property smartly and save in the long term.
With a trusted partner for your real estate loan
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”