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Lombard loan

So that you can flexibly make use of opportunities

Invest without touching your invested assets. with our lombard loan, you are always liquid.

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

Our products in detail

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

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

Contact us

Contact us simply by telephone or by using the contact form.
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