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Regulatory Interest Rate Cap

The legal maximum interest rate for consumer loans in Switzerland is determined by the Federal Council. Typically, this rate corresponds to the Libor rate +11%. Negative Libor rates are not considered. This means that the legal maximum interest rate for consumer loans is capped at 11% even in the presence of negative Libor rates. For credit cards, the limit is set at Libor +13%.

Traditional credit providers often maximize the entire margin, and their conditions tend to be at the upper end of the interest rate boundary. However, at Crowd4Cash, you will find more attractive interest rate expectations. You can find out more about interest rate expectations here.