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Loans & mortgagesPersonal loansGlossary
Personal loans

Maximum interest rate on loans

The maximum interest rate is the legally defined maximum rate of interest that lenders are allowed to charge for providing a loan.

It is defined by the Federal Council in the Ordinance to the Consumer Credit Act (in German, French and Italian only) and reviewed each year on the basis of the Libor. This ensures that the refinancing costs of the lenders are taken into account. At the moment, the maximum interest rate for consumer loans is 10%.

For credit cards on the other hand, the maximum interest rate is currently 12%.

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