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Renovating your house or apartment is an exciting project, but often costly. Whether you want to modernize a kitchen, insulate a roof, replace a heating system, or undertake a complete renovation, the question of financing arises quickly.
Good news: in Switzerland, several solutions exist to lighten the bill. Between dedicated bank loans, federal and cantonal aids, and local subsidies, it is entirely possible to combine different sources of financing to make your project more accessible.
In this comprehensive guide, Avenir Rénovations Suisse explains all the financing options available in 2025, the conditions to benefit from them, and the best strategy to optimize your budget while taking advantage of public aids.
Before starting the work, it is essential to establish a clear and realistic financial strategy. Too many projects fail or are delayed due to a lack of budget anticipation.
Each project is unique, and costs vary according to:
In Romandy, the average ranges are:
A detailed estimate prepared by a professional like Avenir Rénovations Suisse allows you to obtain a reliable item-by-item estimate and avoid unforeseen expenses.
Not all work has the same impact or profitability.
Priorities should be established according to three axes:
An energy audit (CECB+) helps identify the most profitable and subsidized work.
A professional like Avenir Rénovations Suisse helps you to:
Good financial planning is the first step towards a successful renovation.
Each owner can choose from several solutions depending on their situation, the nature of the project, and the value of the property. Here are the main options available in 2025.
This is the simplest method: finance the work with your personal savings or part of your 2nd pillar (LPP).
Advantages:
Disadvantages:
If you have liquidity, it may be wise to combine it with a small mortgage loan to maintain a safety reserve.
The mortgage is the most common solution for financing significant work (over 50,000 CHF).
It involves extending or renewing an existing mortgage to include the amount of the work.
Principle:
Advantages:
Conditions:
Good to know:
Institutions such as BCV, UBS, Raiffeisen, PostFinance, or the Canton Bank of Geneva offer specific "Renovation Mortgage" formulas.
For more modest projects (up to about 100,000 CHF), a consumer credit may be sufficient.
No mortgage is necessary.
Advantages:
Disadvantages:
Many Swiss banks and online credit platforms offer "renovation credits" at preferential rates.
The early withdrawal of the 2nd pillar is allowed to finance:
Two options:
Advantage:
Disadvantage:
This solution should be considered carefully and after consulting your pension fund.
The energy loan is financing at a reduced rate, specifically dedicated to ecological renovations.
Eligible works:
Advantages:
Some banks, such as BCV or Raiffeisen, offer "Eco-Housing" or "Green Mortgage" products.
In addition to banking solutions, there are many public aids to encourage the energy transition of buildings.
Launched by the Confederation in partnership with the cantons, the Buildings Program finances work to reduce CO₂ emissions and energy consumption.
Eligible works:
Indicative amounts:
Conditions:
Avenir Rénovations Suisse assists its clients in preparing applications and verifying eligibility criteria.
Each canton has complementary subsidies:
The amounts can represent up to 30% of the total cost.
Some municipalities (especially in Valais) even add a local bonus for exemplary work.
Some municipalities encourage sustainable renovation with:
These aids vary greatly by region, highlighting the importance of local inquiries or consulting a professional who centralizes this information.
Expenses related to energy improvement of housing can be deducted from taxable income.
Purely aesthetic work (painting, decorative cladding) is not deductible.
The Avenir Rénovations teams can collaborate with your fiduciary to maximize your tax deductions.
An effective financing often relies on a smart combination of several schemes.
| Type of work | Available aids | Additional financing | Total possible savings |
| Roof insulation | Buildings Program + Canton | Mortgage loan | 30–40 % of total cost |
| Heating replacement | Canton + Confederation | Eco-loan | 25–35 % |
| Comprehensive renovation | CECB+ + Local grants | Mortgage extension | Up to 50 % |
| Solar installation | Pronovo + Municipality | Green loan | 30–40 % + resale of electricity |
1. Can I combine multiple aids?
Yes, it is possible if they do not cover the same expense item. Federal, cantonal, and municipal aids can be combined.
2. Can tenants benefit from subsidies?
No, only owner-occupants or landlords are eligible. However, tenants can convince their landlord to initiate the work.
3. Are second homes included?
Some local aids allow this, especially in mountain areas, but national programs target primary residences.
4. Is a building permit required for renovations?
Yes, for work that alters the exterior appearance (facade, roof, extension). Interior renovations generally do not require one.
5. What types of work are excluded from aids?
Purely decorative or non-energy-related projects (painting, furniture, decoration) are not subsidized.
6. How long does it take to obtain aid?
Between 1 and 3 months, depending on the complexity of the file and the responsiveness of the cantonal authorities.
Financing renovation work in Switzerland is now easier and more advantageous than it seems, provided you have the right support.
Thanks to mortgage loans, eco-loans, and public subsidies, it is possible to renovate your home while minimizing the impact on your budget.
With Avenir Rénovations Switzerland, you benefit from comprehensive and personalized support:
We operate throughout French-speaking Switzerland: Geneva, Vaud, Fribourg, Neuchâtel, Valais, and Jura.
Contact our experts today for a free quote and a complete simulation of your renovation financing plan.
