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Credit Simulation
Desired amount
Chf
Minimum amount Chf 5'000.-
Maximum amount Chf 250'000.-
Duration: 6 to 120 months
From 3.9%
from Chf
Loan application Loan application
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You are here : Homepage » Your advantages » Credit & Leasing
  • Credit & Leasing
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Loan or leasing ?

You want to buy a car, a motorcycle, a camper or a new boat and you hesitate between the loan and the leasing ?

The 15th good reasons to prefer loan to leasing

Leasing : Tempting but risky

  • The vehicle is not yours.
  • In the case of an early breach of the contract, several thousand francs may be owed.
  • Leasing may have additional costs: exceeded mileage, options not included in the starting price.
  • The tax deduction is not possible on the paid interest.
  • Complete Casco Insurance is mandatory.
  • The insurance cover is generally increased for leasing.
  • The VAT has to be added to the interest rate shown; a private can’t get this VAT back. When VAT increases your monthly payments are also increased during the contract.
  • No death, health, accident, unemployment cover.

loan: no bad surprises

  • The vehicle belongs to you as soon as the contract is signed.
  • In case of problems, you can sell the vehicle as it is yours.
  • You can subscribe to the type of insurance that suits you.
  • Interest is deductible to the tax.
  • The interest rate is transparent and identical throughout the contract.
  • In case of resale of the vehicle, there is no obligation to repay directly the loan.
  • Death, health, accident, unemployment cover!

Advantageous loan offer

  • Interest rates from 3,9%
  • Financial amount: 5’000 to 250'000 CHF
  • Flexible duration of credit: 6 to 120 months
  • Immediate reply of principle
  • Final reply under 24 hours
  • High acceptance rate of files
  • No file fees

Loan application Debt consolidation Loan application Debt consolidation

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Loan documents required

Calculation example


CHF 20,000 over a period of 24 months at an annual percentage rate of 3.9 to 9.95%:
The total interest amounts to a minimum of 808 CHF (3.9% effective) and a maximum of 2044 CHF (9.95% effective)
Maximum annual percentage rate: 9.95% (includes the broker's fee, administrative fees and compulsory death insurance)
Repayment period: minimum 6 months - maximum 120 months.
Application fee: CHF 0
Loans are prohibited if they lead to excess consumer debt (Article 3 UC).

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CC Crédits Conseils SA
Chemin Ami Argand 11
1290 Versoix

T: 0848 10 2000

F: 0848 11 2000

E: info@creditsconseils.ch

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