{"id":30621,"date":"2024-11-18T19:25:42","date_gmt":"2024-11-18T19:25:42","guid":{"rendered":"https:\/\/multicredit.ch\/offre-credit\/remboursement\/"},"modified":"2026-03-10T15:52:06","modified_gmt":"2026-03-10T15:52:06","slug":"remboursement","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/remboursement\/","title":{"rendered":"Refund"},"content":{"rendered":"<section class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929679182{padding-bottom: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Early_repayment_on_a_credit_application\"><\/span>Early repayment on a credit application<\/H2><\/div>\n<p>[vc_column_text]Under Article 17 of Switzerland&#8217;s Consumer Credit Act (CCA), borrowers have the right to repay their credit at any time. This right, which is an integral part of every personal loan contract, is designed to offer borrowers financial flexibility and enable them to reduce the overall cost of their credit. A conscientious broker is responsible for informing the borrower of this right to early repayment, as well as the associated terms and conditions.[\/vc_column_text][vc_column_text el_class=&#8221;pb-2 maxwidth&#8221;]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Questions_about_early_repayment\"><\/span>Questions about early repayment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Feel free to ask us any questions you may have on the subject of early repayment.[\/vc_column_text][vc_column_text]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Our_strengths_in_obtaining_the_best_possible_offers_for_our_customers_throughout_Switzerland_are_as_follows\"><\/span>Our strengths in obtaining the best possible offers for our customers throughout Switzerland are as follows<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck&#8221; css=&#8221;.vc_custom_1586930817763{padding-top: 24px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Receive a preliminary decision in just 5 minutes, during the first telephone contact<\/li>\n<li>Free processing of your request and non-binding offer<\/li>\n<li>Guaranteed confidentiality (we are bound by banking secrecy)<\/li>\n<li>Flexible repayment over 12 to 84 months<\/li>\n<li>Adjusted monthly payments and lower interest<\/li>\n<li>Flexible, adaptable terms (duration, rate, amount)<\/li>\n<li>Pay off your loan early at any time<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; data_aos_delay=&#8221;250&#8243; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>For Swiss nationals and C permit holders, tax deductions possible for interest on debt<\/li>\n<li>Easier and faster than mortgages and leasing<\/li>\n<li>Taking care of all your administrative formalities<\/li>\n<li>Simple, quick and discreet procedures<\/li>\n<li>Your file put together by a specialist<\/li>\n<li>Personalized advice at home or at our office<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929684389{padding-top: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;][vc_column_text el_class=&#8221;pt-2&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong>For private individuals living in Switzerland, Swiss nationals or <a href=\"https:\/\/www.sem.admin.ch\/sem\/fr\/home\/themen\/aufenthalt\/eu_efta.html\" target=\"_blank\" rel=\"noopener\">holders of a B, C permit or legitimation card (D, E, G and H)<\/a>, increasing your liquidity is possible, and so is saving money. Benefit from an individualized study of your project, and a tailor-made loan offer very quickly. <\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_Amounts_to_be_Paid_on_Early_Redemption\"><\/span>What are the Amounts to be Paid on Early Redemption?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When a borrower decides to repay his or her loan early, certain charges must be taken into account:<\/p>\n<ul>\n<li><strong>Accrued interest<\/strong>: The borrower must pay interest accrued up to the date of full repayment of the loan. This sum corresponds to the interest calculated on the effective period during which the credit was used. <\/li>\n<li><strong>Administrative charges<\/strong>: Depending on the financial institution, administrative charges may apply. These usually amount to a few hundred francs and cover the administrative costs involved in processing the early repayment. <\/li>\n<\/ul>\n<p>It&#8217;s important to note that, depending on the lending institution, the borrower may have the option of repaying his or her credit within 10 days of the revocation deadline at no extra cost.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Consequences_of_late_monthly_payments\"><\/span>Consequences of late monthly payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It&#8217;s crucial to stay on top of late payments, as their repercussions can be significant and directly impact the borrower&#8217;s ability to obtain future credit. Here&#8217;s what you need to know: <\/p>\n<ul>\n<li><strong>Payment on reminder<\/strong>: Paying systematically after receiving a reminder may seem inconsequential, but it is perceived by financial institutions as a sign of poor financial management. In this case, a code 03 will be entered in the ZEK (Central Office for Credit Information) register, which constitutes a serious obstacle to obtaining new credit or leasing, for a period of 5 years. Depending on the bank&#8217;s policy, the borrower may be entitled to two deferrals without additional interest charges, but this remains to be confirmed with the lending institution.  <\/li>\n<li><strong>Reducing monthly payments<\/strong>: If the borrower finds himself unable to meet his monthly payments, it&#8217;s advisable not to let the situation get any worse. It is essential to contact the financial institution as soon as possible to explain the difficulty and negotiate a suitable solution, such as a temporary reduction in monthly payments. Although this will result in a ZEK code 04 (less serious than a code 03), this proactive approach is preferable to accumulating debts that could lead to legal action.  <\/li>\n<li><strong>Cumulative arrears representing 10% of total debt<\/strong>: When a borrower exceeds this limit, the situation becomes critical. In such cases, the bank has the right to demand immediate repayment of the entire loan, plus interest. This situation can lead to legal proceedings, putting the borrower in a complex and stressful situation.  <\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; el_class=&#8221;lightgrey-bck bigpadding flex-eq-height diagonal-top-bck one-fifth-link-bloc&#8221;][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;0&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-hab.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Housing credit<\/h4>\n<p>Finance home improvements<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-habitation\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;50&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-auto.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Car credit<\/h4>\n<p>Buy your vehicle on credit<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-auto\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;100&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-form.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Training credit<\/h4>\n<p>Finance your studies<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/financement-d-etudes-et-de-formations\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;150&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-med.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Medical credit<\/h4>\n<p>Finance your surgery and medical care<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/pret-medical\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;200&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-all.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Miscellaneous credits<\/h4>\n<p>For all other projects<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credits-divers\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck regularpadding steps&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Your_credit_in_4_steps\"><\/span>Your credit in 4 steps<\/H2><\/p>\n<h4>Quick and easy<\/h4>\n<\/div>\n<p>[vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;25&#8243; label_value=&#8221;1&#8243; color=&#8221;custom&#8221; title=&#8221;Request&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You fill in the credit application form according to your needs.<\/p>\n<h5 style=\"text-align: center;\">2 min<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie label_value=&#8221;2&#8243; color=&#8221;custom&#8221; title=&#8221;Proposal&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">&#8220;We analyze your request and offer a solution tailored to your profile.&#8221;<\/p>\n<h5 style=\"text-align: center;\">12 hours<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;75&#8243; label_value=&#8221;3&#8243; color=&#8221;custom&#8221; title=&#8221;Signature&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Once the contract has been drawn up, all you have to do is sign it and send it to us.<\/p>\n<h5 style=\"text-align: center;\">This step depends on your responsiveness.<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;100&#8243; label_value=&#8221;4&#8243; color=&#8221;custom&#8221; title=&#8221;Transfer&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The amount is transferred to your account.<\/p>\n<h5 style=\"text-align: center;\">14 days (legal deadline)<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;lightgrey-bck bigpadding checklist&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-left title-dark\" clearfix\"><H3><span class=\"ez-toc-section\" id=\"Let_us_find_you_the_best_possible_credit_offer\"><\/span>Let us find you the best possible credit offer<\/H3><\/p>\n<h4>We are always looking for the best possible offer for our customers throughout Switzerland.<\/h4>\n<\/div>\n<p>[vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]At Multicr\u00e9dit, our aim is to ensure that our customers do not find themselves in a precarious financial situation. We carefully analyze each borrower&#8217;s financial situation and advise them on the appropriate safety margin to build into their budget. In addition, we inform our customers about the various insurance solutions available to protect them against unforeseen events such as health problems, job loss or changes in their personal lives, such as divorce. These solutions ensure financial stability and prevent risky situations.   <\/p>\n<p>In short, understanding the rights and responsibilities associated with a loan contract is crucial to managing credit proactively and securely. We encourage our customers to stay informed and vigilant in order to avoid financial complications and ensure a worry-free borrowing experience.[\/vc_column_text][vc_btn title=&#8221;Discover&#8221; link=&#8221;url:https%3A%2F%2Fwww.multicredit.ch%2Ffr%2Fa-propos%2F|title:About%20us|&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul>\n<li><strong>Security and confidentiality<\/strong><\/li>\n<li><strong>Proximity and responsibility<\/strong><\/li>\n<li><strong>Guaranteed pick-up in less than 24 hours<\/strong><\/li>\n<li><strong>Lower rates than the competition<\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bring your project to life, simply.<\/p>\n","protected":false},"author":25,"featured_media":11771,"parent":30579,"menu_order":-9,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"class_list":["post-30621","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30621","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=30621"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30621\/revisions"}],"predecessor-version":[{"id":30623,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30621\/revisions\/30623"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11771"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=30621"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}