{"id":30648,"date":"2024-11-18T19:21:33","date_gmt":"2024-11-18T19:21:33","guid":{"rendered":"https:\/\/multicredit.ch\/credit\/offre-credit\/droit-de-revocation\/"},"modified":"2026-03-11T08:23:25","modified_gmt":"2026-03-11T08:23:25","slug":"droit-de-revocation","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/droit-de-revocation\/","title":{"rendered":"Right of revocation"},"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=\"Right_of_revocation_on_a_credit_application\"><\/span>Right of revocation on a credit application<\/H2><\/div>\n<p>[vc_column_text]The right of revocation, enshrined in Article 16 of the Federal Consumer Credit Act (LCC), allows borrowers to withdraw from a private credit agreement without having to provide any justification or incur any costs. This right is an essential measure to protect consumers against impulsive or pressurized decisions that could lead to financial hardship. Since January 1, 2016, the withdrawal period has been extended from 7 to 14 days. This extension gives consumers extra time to think calmly about their financial commitment.[\/vc_column_text][vc_column_text el_class=&#8221;pb-2 maxwidth&#8221;]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mandatory_mention_in_the_contract\"><\/span>Mandatory mention in the contract<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To guarantee transparency and consumer protection, the right of revocation must be clearly and explicitly mentioned in the loan contract. Failure to do so may have consequences for the lender, thereby reinforcing the borrower&#8217;s security.[\/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=\"Extension_of_the_Revocation_Period\"><\/span>Extension of the Revocation Period<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>According to some banking institutions, the 14-day cooling-off period can even be extended by a further 10 days. This extension, offered by some lenders, gives borrowers a maximum of 24 days to reconsider their decision, again free of charge and without justification. This is an additional flexibility for consumers wishing to reconsider their commitment with complete peace of mind.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Starting_point_of_the_right_of_revocation\"><\/span>Starting point of the right of revocation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In theory, the revocation period begins on the day the borrower receives a signed copy of the loan contract. However, it is important to clarify this point with the lending institution, as some organizations take the date shown on the contract, and not the day of receipt, as the starting point. This clarification can make all the difference in calculating the exact number of days remaining for the borrower to exercise his right of withdrawal.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_send_a_revocation\"><\/span>How to send a revocation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To exercise your right of revocation, you must submit your request before the deadline. This request can be delivered directly to the lending institution or sent by post. It is crucial to ensure that the request is sent no later than the last day of the deadline, in order to guarantee its validity.[\/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]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Impact_on_disbursement_of_funds\"><\/span>Impact on disbursement of funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One of the side-effects of the right of revocation is that the disbursement of funds is automatically delayed. Regardless of the lending institution, the money will only be paid into the borrower&#8217;s account once the withdrawal period has expired, i.e. at least 14 days after the contract has been signed. This mandatory period is designed to give the borrower additional time to think things over, thereby reinforcing the security of the transaction.  <\/p>\n<p>In short, the right of revocation provided by the LCC is an important safeguard to protect borrowers against hasty commitments. It is therefore essential to fully understand the conditions and implications of this right to avoid any misunderstanding and optimize credit management.[\/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-30648","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30648","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=30648"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30648\/revisions"}],"predecessor-version":[{"id":30650,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30648\/revisions\/30650"}],"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=30648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}