The Unsecured Personal Loan Agreement is essential for documenting lending arrangements between parties in Switzerland, whether the lender is a financial institution or a private individual. This document is specifically designed to comply with Swiss legal requirements, including the Swiss Code of Obligations (OR/CO) Articles 312-318 and the Swiss Consumer Credit Act (KKG/LCC). It's typically used when a borrower needs personal financing without providing collateral, and includes mandatory provisions for consumer protection, interest rate caps, creditworthiness assessment, and withdrawal rights. The agreement is structured to protect both lender and borrower interests while ensuring regulatory compliance with Swiss banking and consumer protection laws.
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1. Parties: Identification and details of the lender and borrower, including full legal names, addresses, and any registration numbers
2. Background: Brief context of the loan arrangement and purpose
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate: Interest rate specifications, calculation method, and compliance with Swiss interest rate caps
6. Term and Repayment: Loan duration, repayment schedule, and payment methods
7. Early Repayment: Terms and conditions for early repayment as per Article 318 of Swiss Code of Obligations
8. Default and Consequences: Events of default and their consequences, including default interest
9. Representations and Warranties: Borrower's confirmations regarding their financial situation and ability to repay
10. Borrower's Obligations: Ongoing obligations of the borrower during the loan term
11. Notices: Communication methods and contact details for formal notices
12. Governing Law and Jurisdiction: Confirmation of Swiss law governance and jurisdiction for disputes
1. Security: Although primarily unsecured, may include personal guarantees if applicable
2. Insurance: Optional loan protection insurance arrangements
3. Assignment and Transfer: Include if the loan may be transferred or assigned to other parties
4. Joint and Several Liability: Required if there are multiple borrowers
5. Right of Withdrawal: Detailed withdrawal rights under consumer protection law, if applicable
6. Data Protection: Specific data protection provisions if extensive personal data processing is involved
7. Force Majeure: Include if parties want specific provisions for unforeseen circumstances
1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest allocation
2. Form of Withdrawal Notice: Template for exercising withdrawal rights under consumer protection law
3. Direct Debit Authorization: Form for setting up automatic payments if applicable
4. Risk Disclosure: Mandatory risk warnings and disclosures under Swiss consumer credit law
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Consumer Finance
Insurance
Private Lending
Wealth Management
FinTech
Consumer Services
Relevant Teams
Legal
Compliance
Credit Risk
Retail Banking
Consumer Finance
Documentation
Operations
Collections
Private Banking
Customer Service
Risk Management
Relevant Roles
Loan Officer
Credit Manager
Banking Relationship Manager
Compliance Officer
Legal Counsel
Credit Risk Analyst
Consumer Banking Manager
Personal Banking Advisor
Financial Controller
Debt Collection Manager
Private Banker
Retail Banking Manager
Consumer Protection Officer
Documentation Specialist
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