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Calculation example for a credit in the amount of CHF 10'000. An effective annual interest rate between 4.9% (minimum) and 9.95% (maximum) results in total interest costs between CHF 250 and CHF 486 for a term of 12 months. Possible contract terms are between 06 and 120 months. The granting of credit is prohibited if it leads to over-indebtedness (Art 3 UWG).