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Fixed Advancement

If you need the current account credit over a longer period of time, this can be utilized wholly or partially in the form of a fixed advancement. You then benefit from a fixed interest rate over the agreed term.

At a glance


Current account Fixed advancement
Interest rate On request, differs depending on credit amount and loan security
Variable rate, depends on the financial and capital market and customer credit rating
Plus 1/4% commission per quarter on the highest debit
On request, differs depending on credit amount and loan security
The interest rate is aligned with the money market rate in London (LIBOR), plus a margin depending on the customer’s creditworthiness
Fixing 2 interest dates before payment
Term None 3 to 12 months
Notice period Can be cancelled at any time Can be cancelled at the end of the term
Minimum amount Subject to arrangement, depends on the loan security CHF 100,000.00 or equivalent in a foreign currency
Currencies Current account in CHF or in any common currencies Fixed advancement in CHF or in any common currencies
Interest charges Quarterly At the end of each term, at least every three months

The SME Business Team is happy to advise you. We look forward to speaking to you soon.