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The Car Loan Agreement is a fundamental document used in Switzerland for vehicle financing transactions between financial institutions and customers. It serves as the primary contractual framework for securing a loan to purchase a vehicle, incorporating requirements from the Federal Consumer Credit Act (KKG), Swiss banking regulations, and the Swiss Code of Obligations. This document is essential when a customer requires financing for a vehicle purchase and includes detailed terms about the loan amount, interest rates, repayment schedule, security interests, and insurance requirements. The agreement also addresses various scenarios such as early repayment, default conditions, and vehicle ownership transfer, while ensuring compliance with Swiss consumer protection laws and banking standards.

1. Parties: Identification of the lender (financial institution) and borrower (customer), including full legal names, addresses, and any registration numbers

2. Background: Brief context of the loan agreement, including the purpose of the loan for vehicle purchase

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Details: Specific details of the loan including principal amount, interest rate, term, and total amount payable

5. Vehicle Information: Detailed description of the vehicle being financed, including make, model, year, VIN, and purchase price

6. Repayment Terms: Schedule of payments, payment methods, and dates

7. Interest and Fees: Breakdown of interest calculation, applicable fees, and annual percentage rate (APR)

8. Security Interest: Details of the security interest in the vehicle and registration of the same

9. Insurance Requirements: Mandatory insurance coverage requirements for the vehicle

10. Representations and Warranties: Statements and guarantees made by the borrower regarding their ability to enter into the agreement

11. Events of Default: Circumstances constituting default and consequences thereof

12. Termination: Conditions and procedures for early termination or prepayment of the loan

13. Governing Law: Confirmation of Swiss law as governing law and jurisdiction

14. Signatures: Execution block for all parties