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Consumer Credit Contract

Consumer Credit Contract Template for Switzerland

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Key Requirements PROMPT example:

Consumer Credit Contract

"I need a Consumer Credit Contract for a CHF 25,000 personal loan to be repaid over 36 months, starting March 1, 2025, with the borrower being a Swiss resident purchasing a new electric vehicle."

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Document background
The Consumer Credit Contract is a fundamental document used in Swiss consumer lending operations, essential for compliance with the Federal Consumer Credit Act (KKG/LCC) and related regulations. This agreement is required whenever a financial institution extends credit to consumers in Switzerland, whether for personal loans, credit cards, or other consumer credit products. It must include mandatory provisions regarding interest rates, fees, repayment terms, and consumer rights, particularly the 14-day withdrawal right. The document serves both as a legal requirement and a protective measure for consumers, ensuring transparency and fair lending practices in accordance with Swiss federal law. Financial institutions must ensure this contract meets strict regulatory requirements, including clear disclosure of the annual percentage rate (APR) and all associated costs.
Suggested Sections

1. Parties: Identification of the credit provider and the consumer, including full legal names, addresses, and any registration numbers

2. Background: Brief context of the credit agreement and purpose of the loan

3. Definitions: Key terms used throughout the agreement, including technical financial terms explained in consumer-friendly language

4. Credit Amount and Purpose: Specification of the total credit amount and its intended use

5. Interest Rate and Charges: Detailed breakdown of the annual interest rate, effective annual rate (APR), and all applicable fees

6. Term and Repayment: Duration of the credit agreement and detailed repayment schedule including installment amounts

7. Rights of Withdrawal: Consumer's right to withdraw from the agreement within 14 days as per Swiss law

8. Early Repayment: Terms and conditions for early repayment and any associated fee reductions

9. Default and Consequences: Conditions constituting default and resulting consequences including default interest

10. Data Protection: Treatment of personal data and credit information as per Swiss data protection laws

11. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction

12. Execution: Signature blocks and date of agreement

Optional Sections

1. Security: Details of any collateral or guarantees required, used when the credit is secured

2. Insurance: Optional credit insurance arrangements, included when insurance is offered

3. Additional Borrowers: Terms for joint borrowers or guarantors, used in cases of multiple borrowers

4. Special Withdrawal Rights: Additional withdrawal provisions for specific credit types, used for particular credit products

5. Credit Card Provisions: Specific terms for credit card agreements, only used for credit card contracts

6. Automatic Payment Arrangements: Terms for direct debit or standing order arrangements, included when automatic payments are set up

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing all payments, interest, and outstanding balance

2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Standard Withdrawal Form: Official form for exercising the right of withdrawal

4. Appendix A - General Terms and Conditions: Standard terms and conditions as required by Swiss consumer credit law

5. Appendix B - Privacy Notice: Detailed information about data processing and privacy rights

6. Appendix C - Credit Information Authorization: Consumer's authorization for credit checks and information sharing

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions









































Clauses





























Relevant Industries

Financial Services

Banking

Consumer Finance

Retail Banking

Insurance

Consumer Goods Retail

Automotive Finance

Personal Lending

Relevant Teams

Legal

Compliance

Risk Management

Retail Banking

Consumer Lending

Credit Operations

Customer Service

Contract Administration

Regulatory Affairs

Product Development

Credit Assessment

Documentation

Relevant Roles

Credit Risk Manager

Compliance Officer

Legal Counsel

Consumer Credit Specialist

Retail Banking Manager

Financial Services Advisor

Credit Assessment Officer

Consumer Protection Officer

Contract Manager

Lending Operations Manager

Customer Service Representative

Credit Administration Officer

Risk Assessment Specialist

Regulatory Compliance Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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