{"id":29897,"date":"2025-11-13T10:23:34","date_gmt":"2025-11-13T10:23:34","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29897"},"modified":"2025-11-13T14:07:08","modified_gmt":"2025-11-13T14:07:08","slug":"consumer-credit-calculator","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/consumer-credit-calculator\/","title":{"rendered":"Consumer credit calculator"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Enter an amount, a duration and a fixed rate: our personal loan calculator estimates monthly payments, total cost and interest according to the Swiss Consumer Credit Act (CCA). Ideal for comparing several scenarios before submitting a request to MultiCredit.<\/p>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/hsCqmq2ycs0?si=s_VTdaQh0mAhpagM\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_it_for\"><\/span>What is it for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Find a comfortable monthly payment<\/li>\n\n\n\n<li>Check your borrowing capacity<\/li>\n\n\n\n<li>Compare durations (6 to 84 months) and their total cost<\/li>\n\n\n\n<li>Prepare a solid application (no commitment, no employer contact)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_use_the_calculator_3_steps\"><\/span>How to use the calculator (3 steps)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Desired amount (e.g., CHF 15,000)<\/li>\n\n\n\n<li>Duration (e.g., 36, 48, 60 months)<\/li>\n\n\n\n<li>Indicative fixed rate (e.g., 5.9% to 10.95%)<br>\u2192 The calculator displays monthly payment, total interest and overall cost.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Tip:<\/strong> Test 2\u20133 different durations to visualise the trade-off between monthly affordability and total cost.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_examples_indicative\"><\/span>Quick examples (indicative)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CHF 10,000 over 24 months at 7.9% \u2192 monthly payment approx. CHF 452, total interest approx. CHF 845<\/li>\n\n\n\n<li>CHF 20,000 over 48 months at 7.9% \u2192 monthly payment approx. CHF 488, total interest approx. CHF 3,430<\/li>\n\n\n\n<li>CHF 30,000 over 60 months at 6.9% \u2192 monthly payment approx. CHF 592, total interest approx. CHF 5,520<\/li>\n<\/ul>\n\n\n\n<p>(Purely indicative values; the offer depends on your profile, partner policies and the ZEK\/IKO rating.)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_read_your_results\"><\/span>How to read your results<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly payment:<\/strong> must remain comfortable after rent and expenses<\/li>\n\n\n\n<li><strong>Total cost:<\/strong> longer durations accumulate more interest<\/li>\n\n\n\n<li><strong>Rate:<\/strong> reflects the file\u2019s risk level and stability<\/li>\n\n\n\n<li><strong>Safety margins:<\/strong> keep a cash buffer for unexpected expenses<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_simulate_with_MultiCredit\"><\/span>Why simulate with MultiCredit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Competitive fixed rates (approx. 5.9%\u201310.95%)<\/li>\n\n\n\n<li>Durations: 6 to 84 months \u2014 early repayment possible at any time<\/li>\n\n\n\n<li>Included death insurance (remaining balance covered)<\/li>\n\n\n\n<li>Fast, confidential assessment with no employer contact<\/li>\n\n\n\n<li>Advice to optimise duration and reduce total cost<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_practices_before_submitting_your_request\"><\/span>Best practices before submitting your request<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aim for a monthly payment \u2264 1\/3 of your free disposable income<\/li>\n\n\n\n<li>Avoid splitting into micro-loans: one clear loan is better<\/li>\n\n\n\n<li>Choose the shortest duration compatible with your budget<\/li>\n\n\n\n<li>Use early repayments (13th salary, bonus) to save interest<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%94_Personal_Loan_Calculator\"><\/span><strong>FAQ \u2014 Personal Loan Calculator<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p><strong>Does the simulation equal approval?<\/strong><br>No. It is an estimate. Approval depends on solvency, ZEK\/IKO entries and the CCA.<\/p>\n\n\n\n<p><strong>Can I change the duration after simulation?<\/strong><br>Yes, until the offer is issued. We adjust the duration to match your target monthly payment.<\/p>\n\n\n\n<p><strong>Is the displayed rate guaranteed?<\/strong><br>No, it is indicative. The final rate depends on your profile and the lender\u2019s risk policy.<\/p>\n\n\n\n<p><strong>Early repayment: are there fees?<\/strong><br>With our partners, early repayment is possible; we aim for zero penalties when feasible.<\/p>\n\n\n\n<p><strong>Which documents speed up the review?<\/strong><br>Two or three salary slips, recent bank statements, ID, residence permit if applicable, list of current loans.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"From_simulation_to_a_clear_offer\"><\/span><strong>From simulation to a clear offer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>Send us your parameters (amount, duration, desired monthly payment). We perform a stress test and come back with a precise offer \u2014 fast, transparent and compliant with the CCA.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"MultiCredit_Sarl_%E2%80%94_Your_credit_specialist_since_1999\"><\/span><strong>MultiCredit S\u00e0rl \u2014 Your credit specialist since 1999<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>Rue de la Banque 4, CP 77 \u2014 1701 Fribourg, Switzerland<br>Tel. 026 322 23 10 \u00b7 Mobile 079 936 31 75<br>E-mail: <a href=\"mailto:info@multicredit.ch\">info@multicredit.ch<\/a><br>Hours: Mon\u2013Fri, 08:30\u201318:00<\/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\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Enter an amount, a duration and a fixed rate: our personal loan calculator estimates monthly payments, total cost and interest according to the Swiss Consumer Credit Act (CCA). Ideal for comparing several scenarios before submitting a request to MultiCredit. What is it for? How to use the calculator (3 steps) Tip: Test 2\u20133 different durations [&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-29897","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\/29897","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=29897"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29897\/revisions"}],"predecessor-version":[{"id":30007,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29897\/revisions\/30007"}],"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=29897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=29897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=29897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}