Construction financing as a cross-border commuter or resident in Switzerland

Hello everyone,

Our wish to build a house is growing with the increasing number of children, and therefore I am intensively informing myself on all relevant topics. A very important topic is financing the construction. After some research, I found that our current situation is not particularly advantageous. I initially worked as a cross-border commuter (CH - D) and then moved to CH two years ago; my wife is currently still working marginally in D.

Current situation:
Residence: Switzerland
Work: Switzerland
Wish: Build a house in D (30km from the border)

Due to currency risk and disclosure obligations, only very few credit institutions offer loans for cross-border commuters or Germans living abroad. Has anyone gained experience with this and can share some tips or experiences? Are the conditions much worse? I have heard that it is easier as a German living in CH than for a cross-border commuter living in D. Many thanks for your help.

Hello, that is indeed very special. I would first contact your house bank (if locally based). Otherwise, banks on site are more familiar with the situation. You will probably pay 0.2 more there, but in return you have financing.

Should not be a problem with a Swiss bank for loans from 500k, of course provided equity and corresponding income in CH...

If you build in Germany, you will no longer live in CH later ... As already mentioned, contact local banks. They are familiar with such matters. There are so many cross-border commuters to Switzerland.

Best regards! mini