Example of calculation with a loan of CHF 10,000, an effective annual interest rate between 4.95% and 11.95% and a duration of 12 months. This financing generates total interest between CHF 270.15 and CHF 659.00 Duration: 12-84 months; maximum annual interest rate 11.95%. The granting of credit is prohibited if it causes the consumer to become over-indebted (art. 3 LCD).