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The Car Payment Contract serves as a crucial legal instrument in Swiss vehicle financing transactions, establishing the contractual relationship between the seller/financier and the buyer. This document is essential when a vehicle purchase involves financing arrangements, whether through a dealership, bank, or other financial institution. It must comply with Swiss federal regulations, particularly the Code of Obligations (OR) and the Federal Act on Consumer Credit (KKG), while incorporating specific provisions for vehicle registration and ownership transfer under Swiss law. The contract typically includes detailed payment terms, interest calculations, security interests, and buyer protections, making it suitable for both commercial and consumer transactions within Switzerland.

1. Parties: Identification of the seller/financier and the buyer with full legal names, addresses, and any registration numbers

2. Background: Brief context of the transaction and the parties' intention to enter into a car payment agreement

3. Definitions: Key terms used throughout the agreement including 'Vehicle', 'Payment Period', 'Interest Rate', and other relevant terminology

4. Vehicle Details: Comprehensive description of the vehicle including make, model, year, VIN, color, and current mileage

5. Purchase Price and Payment Terms: Total purchase price, down payment, payment schedule, interest rate, and total amount payable

6. Payment Method and Schedule: Specific details about payment methods, due dates, and consequences of late payments

7. Transfer of Ownership: Conditions for the transfer of vehicle ownership and registration requirements under Swiss law

8. Insurance Requirements: Mandatory insurance coverage requirements and responsibilities for maintaining insurance

9. Warranties and Representations: Statements about the condition of the vehicle and any warranties provided

10. Default and Remedies: Consequences of payment default and available legal remedies for both parties

11. Termination: Conditions under which the contract can be terminated and the consequences thereof

12. Governing Law and Jurisdiction: Specification of Swiss law as governing law and jurisdiction for disputes