Information leaflet of the Association of Swiss. Credit Banks and Financial Institutions (VSKF) on responsible lending and possible risks in the event of strokes of fate of the
Borrower

Bern, 11.12.2015 - The Federal Council decided on Friday to adjust the calculation mechanism for the maximum interest rate on consumer loans as of 1 July 2016 and to review the interest rate regularly in future.

Of course, at any time. And without any additional costs. You even save interest by repaying early.

You confirm with form A that you pay the loan instalments with your own money and are therefore the beneficial owner. This means that we comply with the Money Laundering Act.

Insured persons whose annual taxable income does not exceed a certain level (which varies according to canton and civil status) are entitled to a reduction in their health insurance premiums (individual premium reduction/ IPV).

You have paid the amount owed or your legal proposal has been accepted. If you now want to avoid the debt collection remaining entered in the debt collection register (and thus remaining on the debt collection register extracts), you must request a declaration from the creditor stating that he or she is revoking the debt collection. This declaration must be sent to the competent debt collection office.

Don't spend more money than you can afford. We would like to point out that Best-Finance plays an active role in preventing young adults from getting into debt. When dealing with money, we recommend the following:

With the Caritas financial tests, you can make various calculations anonymously and quickly.

The Federal Council has decided to enact two corresponding bills amending the Code of Obligations and the Consumer Credit Act (CCA). From 1 January 2016, a right of cancellation of NEW14 DAYS will apply to credit transactions. In addition, consumer loans may no longer be advertised in an aggressive manner.

An investment in education is always a sensible investment that is guaranteed to pay off. Be it a degree, an apprenticeship or further training. If you want to secure a well-paid job in the working world, you have to give up a fixed income for a few years and spend this time acquiring knowledge.

We prefer to talk to you in person at one of our branches. Or do you prefer contact by phone or e-mail? Whatever you decide, we will be there for you and support you at all times. We look after you from the first to the last step.

Guinea pig, golden hamster or cat? Numerous people want an animal that gives them a lot of pleasure and keeps them company. But the purchase should be well thought out, because keeping a pet is associated with responsibility. Above all, the recurring costs of keeping an animal should not be underestimated. Because with the payment of the purchase price alone it is not done. For a four-legged friend from a noble breed, animal lovers often have to pay several thousand Swiss francs. Even if you decide to buy a cat or a dog from a shelter, you may have to pay a considerable sum. Our loan for the pet can be a favorable financing option.