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Loan agreement between private persons, in Italian (Switzerland)
Switzerland · in Italian
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This document is in Italian
The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
Made for use in Switzerland
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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.
- Made for use in Switzerland
- Last updated November 4, 2026
Published byDocMuse
When to use this document
- You are lending money to a relative in Ticino and want the deal in writing.
- A friend in Switzerland asks you for a loan to be repaid in monthly instalments.
- You want an interest-free loan with a clear repayment date.
- You need signed proof that you paid out the loan money.
What you fill in
The details the document asks for.
- Lender
- Lender's address
- Lender's bank account
- Borrower
- Borrower's address
- Borrower's date of birth
- Amount
- Date the loan is paid out
- Borrower's bank account (IBAN)
- Annual interest rate (0% if the loan is interest-free)
- How the loan is repaid
- Repayment date
- Number of instalments
- Amount of each monthly instalment
- Due date of the first instalment
- Additional terms
- City
- Date
Common questions
- Does a loan within the family or among friends in Switzerland fall under consumer-credit law?
- No, as long as the lender grants credit neither as a business nor through a crowdlending platform (Art. 2 CCA). Art. 312 ff. CO apply; interest is owed only if agreed (Art. 313 para. 1 CO). The consumer-credit maximum rate (Art. 14 CCA) does not apply, but excessive interest is void to the extent it is contrary to public policy (Art. 20 CO; BGE 93 II 189: 26 % cut to 18 %). Exploiting another's distress, dependence or inexperience to be promised interest in obvious disproportion is the offence of usury (Art. 157 of the Criminal Code).
- When must a Swiss private loan be repaid if the agreement names no date?
- Within six weeks of the lender's first demand (Art. 318 CO); the agreement offers this as one option. A fixed date or monthly instalments give more certainty. Ask for repayment in writing, ideally by registered post. With the signed receipt, the lender can later prove that the money was paid out.
- How do lender and borrower report a private loan on Swiss tax returns?
- The lender lists the claim in the schedule of securities and assets and declares interest received as income; the borrower declares the debt and may deduct interest paid within the legal limits. Both should give the same amount and rate. Keep the signed agreement, the receipt and the payment records, as the tax office may ask for them.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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