General Fees for Account and Identification
Account opening and management
free
Identification fee
via e-banking bank transfer
CHF 5.00
«Yellow Identification» via Swiss Post
External service, currently CHF 25.00
Fees for Investors
Platform fee(one-time, invoiced at contract closing)
0.75% p.a. (in the annuity on the outstanding loan amount)
Custody fee for mortgage-backed loans(one-time, invoiced at contract closing)
0.15% p.a. (in the annuity on the outstanding loan amount)
Address research
CHF 25.00
Rejection of Debit Direct or LSV charges
Costs will be invoiced, minimum CHF 10.00
Fees for Borrowers
Credit application
free
Early repayment
CHF 150.00 (per credit agreement)
Early repayment compensation (non-CCA relevant loans)
2% of the outstanding loan amount
Platform fee(one-time, deducted directly at disbursement)
Private installment loans
0.75% p.a. on the received loan amount (minimum CHF 75.00)
Private bullet loans
1.50% p.a. on the received loan amount (minimum CHF 500.00)
SME installment loans
0.75% p.a. on the received loan amount (minimum CHF 500.00)
SME bullet loans
2.00% p.a. on the received loan amount (minimum CHF 500.00)
Property valuation
Condominiums / Single-family houses
From CHF 1,000.00 (per valuation)
Investment properties
From CHF 2,000.00 (per valuation)
Monthly review of global assignment
Based on effort per quotation
Additional effort for guarantees
CHF 200.00 / per guarantee agreement
Additional effort for extraordinary review
Invoice based on effort (in agreement with borrower)
Rollover fee for credit extensions
CHF 1,000.00
Reminder Fees
*Reminder fees are cumulative and increase by the stated amount each time.
Installment and/or interest payments for private individuals
Payment reminder (after 5 days overdue)
Free
1st reminder (after 10 days overdue)
CHF 30.00
2nd reminder (after 20 days overdue)
CHF 50.00
Final reminder/debt collection notice (after 30 days overdue)
CHF 75.00
Capital repayment for bullet loans (private individuals)
Final reminder/debt collection notice (after 5 days overdue)
CHF 200.00
Installment and/or interest payments for SMEs
Payment reminder (after 5 days overdue)
Free
1st reminder (after 10 days overdue)
CHF 100.00
2nd reminder (after 20 days overdue)
CHF 150.00
Final reminder/debt collection notice (after 30 days overdue)
CHF 200.00
Capital repayment for bullet loans (SMEs)
Final reminder/debt collection notice (after 5 days overdue)
CHF 500.00
Additional Fees for Borrowers
Address research
CHF 25.00
Debt collection costs
1:1 pass-through per fee invoice of the responsible debt collection office
Court costs
1:1 pass-through per fee invoice of the responsible court
Legal costs for court cases
1:1 pass-through per invoice of the appointed law firm
Processing fee for debt collection
Private loans
CHF 100.00/h (minimum effort 5h per collection case)
SME loans
CHF 200.00/h (minimum effort 5h per collection case)
Cash deposits at post office / Rejection of Debit Direct or LSV charges
Costs will be invoiced, minimum CHF 10.00