You can offset your interest on debt against your personal income tax. The interest statement needed for this will be automatically sent to you via e-mail at the end of the year. Feel free to contact our staff for more information.

The personal loan is paid back by monthly rates, which stay the same (the last rates may vary).
Unscheduled payments are also possible, if you wish.
The first rate has to be paid one month after the disbursement. This loan format is also called rate loan.

No, there are no transaction or account management fees.

For this you need the following documents:

• The last two pay slips for both spouses/partners
• A copy of a valid identity card or passport
• For foreigners we additionally need a copy of your foreigner ID.

We will contact you if any additional documents are needed, for example evidence about your living situation, health insurance, your work situation and your financial ability or about current loans.

Mutuo AG offers interest rates from 4.4% to 10.95%. The minimum interest is granted when the borrower is Swiss or owns the B or C permit and has a permanent employment and a good credit rating (not having been prosecuted in the last 3 years). We will always find the most favourable offer for you.

The duration of your loan can be between 12 and 120 months; the rate amount is therefore flexible and individually selectable.

A loan application is possible for amounts between 3’000 CHF and 350’000 CHF.
You benefit from our special customer service for big loans with amounts starting at 80’000 CHF. Therefore, it is preferable that you ask us directly via e-mail or telephone for amounts starting at 80’000 CHF.

For our loans the following requirements need to be fulfilled:

• Legal age
• Employed or self-employed (for more than 12 months in the second case)
• No loss certificate
• Live in Switzerland or Liechtenstein or be a cross-border commuter

Additionally the allocation of a loan is generally dependent of your financial standing. Every loan application is reviewed individually in this context.

You will receive the money once the revocation period of 14 days has passed, for which the date of the contract is decisive.

It concerns the “yellow identification“, which can be obtained at a post office near you.

Our loan calculator allows you to combine different credit amounts and terms within the given limits and automatically calculates the corresponding monthly rate. In this way, you can easily determine your optimal installment and apply for your dream loan.