Our financing solutions round off our private banking offering for you. Increase your financial flexibility.
The LGT Lombard loan gives you access to additional liquidity at short notice when you pledge your assets held with us as collateral.
We grant you a variable credit limit that you can use to purchase securities or for any other liquidity needs. The maximum credit limit is determined by the lending value of your securities pledged as collateral, as calculated by us. A low interest rate for your LGT Lombard loan is possible for drawdowns in the form of fixed advances.
A mortgage from LGT allows you to finance your real estate in selected countries in a flexible manner. Our seasoned international financing experts can draw up real estate financing solutions for you in selected countries such as Austria, France, Monaco, the UK, Singapore and Hong Kong.
For our esteemed client base in the Principality of Liechtenstein, LGT provides the following financing solutions.
Click here for information on the LIBOR transition.
Are you interested in having a property built in Liechtenstein or are you planning a conversion? We can offer you a building loan in the form of a current account overdraft on beneficial terms.
Are you looking for just the right mortgage with which to buy an apartment or a house? Or are you on the lookout for more attractive financing for your properties? LGT’s range of mortgages is sure to include the right solution for you on attractive terms.
Variable-rate mortgages: the flexible choice
Fixed-rate mortgages: the choice for forward planners
A combination of variable-rate and fixed-rate mortgages: the adaptable choice
We let you decide for yourself whether or not you want your first mortgage to be repaid as part of your real estate financing.
As an EEA member state, Liechtenstein is transposing the European Mortgage Credit Directive (MCD) adopted on 4 February 2014 (Directive 2014/17/EU) into national law with effect from 1 April 2021.
The Mortgage and Real Estate Credit Act (HIKG) governs credit agreements for individuals (consumers) relating to residential immovable property for the purpose of:
If your existing mortgage financing with LGT Bank Ltd. continues unchanged, no revision will be required.
Additional information can be found on the website of the Liechtenstein Bankers Association here. Should you have any further questions, please contact your relationship manager.
The website of the Bankers Association also contains a factsheet, which provides important information in the event of payment difficulties (here).
The LGT Private Banking mortgage offers flexible, straightforward real estate financing in Liechtenstein and Switzerland. No expensive interest rate hedge is required, as each time your mortgage comes up for renewal you are free to choose another form (variable-rate or fixed-rate).
You are free to choose what form your mortgage takes and determine the interest rate mix for your LGT Private Banking mortgage in line with your expectations.
Unlike structured mortgage products, the LGT Private Banking mortgage is as straightforward and transparent as can be. This mortgage has no fixed term so there is no need for an expensive interest rate hedge.
Within the context of your overall client relationship, our mortgage specialists develop financing solutions adapted to your needs. The individual tranches of the LGT Private Banking mortgage may have set terms, but your overall mortgage does not.
With the LGT Philanthropy mortgage, you finance your real estate assets while supporting the less fortunate at the same time. This innovative product draws on LGT’s expertise in the credit and philanthropy sectors. The mortgage allows clients and the bank to make a joint contribution towards improving living conditions in less well developed regions of the world.
The mortgage allows you to support a project of your choice from LGT Venture Philanthropy. You will be kept up to date on developments on a regular basis. The following projects are available as part of the LGT Philanthropy mortgage:
Conditions of the LGT Philanthropy mortgage
New and existing first mortgages on residential buildings are eligible. The LGT Philanthropy mortgage offer applies to both variable and fixed-rate mortgages or their tranches and is presently only available within Liechtenstein.
The rate of interest for the LGT Philanthropy mortgage consists of part financing and part "interest on the donation" of 0.125%. LGT matches your donation to the project - which means that those in need benefit twofold. It also covers the full amount of any administration costs incurred by the philanthropic projects.
With the LGT Environmental mortgage, we can support your commitment to sustainable development and efficient use of natural resources - for newly built properties and renovations in Liechtenstein with a Minergie certificate.
With us, your payment guarantees and performance obligations are in good hands.
We have extensive experience and in-depth knowledge of settling and hedging all kinds of contractual security deposits and contingent liabilities.
This information does not represent an offer, a quotation or request for a quotation, a public advertisement or a recommendation to apply for financing or to buy or sell specific products. Financing opens up new opportunities, but also involves risks. Your investment profile is the decisive factor. Discuss your financing options with your client advisor.