{"id":29724,"date":"2025-10-29T20:55:44","date_gmt":"2025-10-29T20:55:44","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29724"},"modified":"2025-10-29T21:09:53","modified_gmt":"2025-10-29T21:09:53","slug":"personal-loan-calculator-understand-compare-and-anticipate-your-repayments","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/personal-loan-calculator-understand-compare-and-anticipate-your-repayments\/","title":{"rendered":"Personal loan calculator: understand, compare and anticipate your repayments"},"content":{"rendered":"\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Taking out a <a href=\"https:\/\/multicredit.ch\/en\/personnal-loan-basel\/\" data-type=\"post\" data-id=\"28817\">personal loan<\/a> is an important decision.<\/strong> Before committing, it\u2019s essential to understand the <strong>true cost of the loan<\/strong>, how it <strong>evolves over time<\/strong>, and the <strong>options for optimisation<\/strong>. This is where the <strong>personal loan simulator<\/strong> comes in\u2014an indispensable tool offered by <strong>MultiCredit<\/strong> to help you visualise your financing in a <strong>clear, transparent, and realistic<\/strong> way.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_personal_loan_simulator_a_simple_and_precise_projection_tool\"><\/span>The personal loan simulator: a simple and precise projection tool<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The simulator allows you to immediately estimate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the <strong>total amount to be repaid<\/strong>,<\/li>\n\n\n\n<li>the <strong>interest cost<\/strong>,<\/li>\n\n\n\n<li>the <strong>monthly payment<\/strong> based on the chosen term,<\/li>\n\n\n\n<li>and the <strong>APR (Annual Percentage Rate)<\/strong>, which includes all fees related to the loan.<\/li>\n<\/ul>\n\n\n\n<p>This tool calculates using the <strong>constant annuity method<\/strong>: each month the instalment remains the same, but the interest portion decreases as the principal is repaid. This provides perfect visibility over your <strong>budget<\/strong> and <strong>amortisation schedule<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_amortisation_schedule_your_financial_roadmap\"><\/span>The amortisation schedule: your financial roadmap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The amortisation schedule details each repayment due date:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the <strong>principal<\/strong> repaid,<\/li>\n\n\n\n<li>the <strong>interest<\/strong> portion,<\/li>\n\n\n\n<li>and the <strong>remaining balance<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>With <strong>MultiCredit<\/strong>, you receive a <strong>clear amortisation schedule<\/strong> as soon as your contract is set up. You know exactly <strong>how much your loan costs at every stage<\/strong>, with no surprises.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Early_repayment_save_on_interest\"><\/span>Early repayment: save on interest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the major advantages of <strong>consumer <a href=\"https:\/\/multicredit.ch\/en\/tag\/consumer-loans\/\" data-type=\"post_tag\" data-id=\"1120\">Loan <\/a>in Switzerland<\/strong> is the possibility of <strong>repaying the loan early<\/strong>, in whole or in part.<\/p>\n\n\n\n<p>In accordance with the <strong>Swiss Federal Consumer Credit Act (LCC)<\/strong>, the borrower is entitled to a <strong>rebate on interest<\/strong> and a <strong>fair reduction of fees<\/strong> for the unused period. In other words, <strong>the earlier you repay, the less interest you pay<\/strong>.<\/p>\n\n\n\n<p>With <strong>MultiCredit<\/strong>, this option is always available, <strong>with no hidden penalties<\/strong>. Early repayment can be <strong>total<\/strong> (closing the loan) or <strong>partial<\/strong> (shortening the term). It\u2019s an excellent way to <strong>regain control of your budget<\/strong> and <strong>optimise your financing cost<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"APR_the_true_measure_of_loan_cost\"><\/span>APR: the true measure of loan cost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>APR (Annual Percentage Rate)<\/strong> reflects the <strong>total cost of credit<\/strong>, including not only the <strong>nominal interest rate<\/strong> but also any <strong>administrative<\/strong> or <strong>insurance fees<\/strong>. It\u2019s the reference rate to use when <strong>comparing<\/strong> different offers from financial institutions.<\/p>\n\n\n\n<p>At <strong>MultiCredit<\/strong>, <strong>transparency<\/strong> is a priority: our simulators and advisers always provide the <strong>APR<\/strong>, so you can <strong>compare with full knowledge of the facts<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_take_control_of_your_financing_with_MultiCredit\"><\/span>Conclusion: take control of your financing with MultiCredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Thanks to its <strong>personal loan simulator<\/strong>, <strong>MultiCredit<\/strong> enables you to <strong>plan your project<\/strong> even before signing the contract. You can <strong>adjust the amount, term, or monthly payments<\/strong> according to your <strong>repayment capacity<\/strong> and <strong>objectives<\/strong>.<\/p>\n\n\n\n<p>A loan <strong>well understood<\/strong> is a loan <strong>better managed<\/strong>. With <strong>MultiCredit<\/strong>, you benefit from <strong>end-to-end support<\/strong>: advice, calculation, simulation, and follow-up through to final repayment\u2014with the ability to <strong>optimise your loan at any time<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>MultiCredit \u2013 Financing your projects since 1999<\/strong><br><strong>Try our online loan simulator<\/strong><\/p>\n\n\n\n<p><em>An article by <a href=\"https:\/\/creators.spotify.com\/pod\/profile\/queltalent\/episodes\/Mnr-Aslan---Expert-en-financement-dentreprise-depuis-plus-de-25-ans---Emission-du-29-janvier-2025-e2ues37\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a>, Director of Multicredit.<\/em><\/p>\n\n\n\n<iframe\u00a0 src=\"https:\/\/maps.google.com\/maps?q=Multicredit&#038;z=15&#038;output=embed\"\n\u00a0 width=\"600\"\n\u00a0 height=\"450\"\n\u00a0 style=\"border:0;\"\n\u00a0 loading=\"lazy\"\n\u00a0 allowfullscreen>\n<\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Taking out a personal loan is an important decision. Before committing, it\u2019s essential to understand the true cost of the loan, how it evolves over time, and the options for optimisation. This is where the personal loan simulator comes in\u2014an indispensable tool offered by MultiCredit to help you visualise your financing in a clear, transparent, [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":29144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[786],"tags":[],"class_list":["post-29724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"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=29724"}],"version-history":[{"count":10,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29724\/revisions"}],"predecessor-version":[{"id":29753,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29724\/revisions\/29753"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/29144"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=29724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=29724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=29724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}