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- Acknowledgement of debt with a repayment plan, in Italian (Switzerland)For creditors and debtors in Switzerland who agree to clear a debt in instalments, in Italian: the debtor acknowledges the amount, and both agree monthly instalments, the account, a grace period and that the balance falls due if an instalment is missed. Important for the debtor: a signed acknowledgement of debt is a title for provisional removal of an objection (rigetto provvisorio, Art. 82 DEBA) — if the debtor later objects to a payment order, the creditor can have the objection set aside without an ordinary lawsuit. Print two copies and sign both by hand.
- Loan agreement between private persons, in Italian (Switzerland)For private persons in Switzerland lending each other money — family, friends or acquaintances — in Italian: records the amount, the payout, interest (or none), repayment in one sum, in monthly instalments or within six weeks of being asked (Art. 318 CO) and what happens on default, with a separate signed receipt. The Consumer Credit Act does not apply as long as neither party grants credit as a business and no crowdlending platform arranges the loan (Art. 2 CCA). Print two copies and have both parties sign.
- Loan agreement between private persons (Switzerland)For private persons in Switzerland lending each other money — family, friends or acquaintances — in English: records the amount, the payout, interest (or none), repayment in one sum, in monthly instalments or within six weeks of being asked (Art. 318 CO) and what happens on default, with a separate signed receipt. The Consumer Credit Act does not apply while neither party lends as a business and no crowdlending platform arranges the loan (Art. 2 CCA). Print two copies and have both parties sign. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Acknowledgement of debt with a repayment plan, in French (Switzerland)For creditors and debtors in Switzerland who agree to clear a debt in monthly instalments, in French: the debtor acknowledges the amount, and both parties set the instalments, the account, a grace period and that the balance falls due if payment is late. Important for the debtor: a signed acknowledgement of debt is a title for provisional removal of an objection (mainlevée provisoire, Art. 82 DEBA) — if the debtor later objects to a payment order, the creditor can have the objection lifted without an ordinary lawsuit. Print two copies and sign both by hand.
- Loan agreement between private persons, in French (Switzerland)For private persons in Switzerland lending each other money — family, friends or acquaintances — in French: sets the amount, the payment-out, interest (or an interest-free loan), repayment in one sum, by monthly instalments or within six weeks of the demand (Art. 318 CO) and what follows a default, with a separate receipt. The Consumer Credit Act does not apply as long as neither party grants credit as a business and no crowdlending platform arranges the loan (Art. 2 CCA). Print two copies, signed by both parties.
- Acknowledgement of debt with a repayment plan, in German (Switzerland)For creditors and debtors in Switzerland who agree to clear a debt in instalments, in German: the debtor acknowledges the amount, and both agree monthly instalments, the account, a grace period and that the balance falls due if an instalment is missed. Important for the debtor: a signed acknowledgement of debt is a title for provisional removal of an objection (provisorische Rechtsöffnung, Art. 82 DEBA) — if the debtor later objects to a payment order, the creditor can have the objection set aside without an ordinary lawsuit. Print two copies and sign both by hand.
- Loan agreement between private persons, in German (Switzerland)For private persons in Switzerland lending each other money — family, friends or acquaintances — in German: records the amount, the payment-out, interest (or none), repayment in one sum, in monthly instalments or within six weeks of being asked (Art. 318 CO) and what happens on default, with a separate signed receipt. The Consumer Credit Act does not apply as long as neither party grants credit as a business and no crowdlending platform arranges the loan (Art. 2 CCA). Print two copies and have both parties sign.
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