Loans

Short-, medium- and long-term credit models for flexible financing of your goals and plans. We advise you individually and develop tailor-made financing solutions for you.

Your benefits at a glance

  • An easy way to optimise the returns of your securities portfolio
  • Additional capital without selling your securities portfolio
  • Flexible design of your loan as a limit or fixed loan amount
  • Interest on loans can be deducted from taxable income

CIC Flex ad­vance

CIC Flex advance is a medium-term loan for investment, working capital or start-ups. It has a floating interest rate adjusted in line with the SARON® rate every 1, 3 or 6 months. The interest calculation is based on the daily compounded SARON® («SARON® Compound»).

Lom­bard loan

You can increase your financial flexibility with a Lombard loan. On the basis of your deposited assets (collateral) you can quickly and easily invest additional funds and thus significantly optimise the return on your securities portfolio.

Yield op­tim­isa­tion

We grant Lombard loans for the purpose of financing securities investments so that you can achieve a leverage effect and better exploit the earnings potential of your securities portfolio. The Lombard loan is granted to you within a framework loan and against the pledging of assets that can be easily liquidated, such as shares or bonds.