Example of calculation with a loan of CHF 10,000, an effective annual interest rate between 4.95% and 10.95% and a duration of 12 months. This financing generates total interest between CHF 270.15 and CHF 603.00. Duration: 12-120 months; maximum annual interest rate 10.95%. The granting of credit is prohibited if it leads to over-indebtedness of the consumer (art. 3 LCD).