When to refinance
If multiple credits (cc 12%, leasing 5%, perso 9%) and stabilised (CDI, divorce settled), refinancing at 6-8% saves CHF 2,000-5,000/year. Also if rate > 9% with 18 months good ZEK/CRIF history.
LCC cap: 11%
Consumer Credit Act caps annual effective rate at 11% (12% cards). Best market rates: Cembra 4.9-7.9%, Migros 4.9-9.9%, cantonal 5.5-8.5%. Polia negotiates with 6 lenders.
Pitfalls
1) Early repayment fees 1-2% on existing loans. 2) Extending term increases total cost even at lower rate. 3) Revolving credit cards stay active = re-debt risk. 4) Aggressive solicitation post-refinancing.
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