Lombard loan
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So that you can flexibly make use of opportunities
Our lombard loan is intended for investors with fluctuating or unforeseen cash requirements. With a lombard loan, you remain flexible without having to sell the assets in your portfolio, and you can continue to conduct transactions. The lombard loan is secured by collateral from your existing portfolio. As the entity extending the loan, the Bank does not become the owner of the pledge when it is handed over, but only the custodian.
Mortgageable assets
- All common securities
- Precious metals
- Time deposits
- Fiduciary deposits
- Account balances
Our products at a glance
Fixed advance / fixed interest loan
A fixed interest loan is suitable for investors who have a clearly defined financing requirement over a fixed period of time.
Characteristics
|
Minimum amount |
CHF 100,000 |
|
Interest rate |
Fixed |
|
Interest date |
Individual, and annual in the case of a term of more than one year |
|
Amortisation |
Repayment at the end of the fixed term |
|
Cancellation |
At any time; in the event of cancellation before the fixed interest rate agreement expires, cancellation is only possible against payment of an early redemption penalty |
Advantages
- Jointly designed according to individual needs
- Additional capital in the event of ongoing appreciation in value and earnings potential of the securities
Restrictions
- Locked in during the term
Overdraft facility
The overdraft facility is for investors who need flexible funds or who expect market interest rates to fall.
Characteristics
|
Interest rate |
Variable, plus a credit commission of 0.250% per quarter |
|
Interest date |
Quarterly |
|
Amortisation |
Possible at any time |
|
Cancellation |
Possible at any time |
Advantages
- Jointly designed according to individual needs
- Additional capital in the event of ongoing appreciation in value and earnings potential of the securities
Restrictions
- The interest rate is subject to market conditions during the term and is not capped