Access cash quickly
Have your loan in your account in less than 48 hours.
Securities-backed loan
Access liquidity quickly.
By pledging the securities held in your investment fund deposit account, you can quickly access liquidity at attractive terms without having to sell your investments.
The advantages of a securities-backed loans
A securities-backed loan is a fast and cost-effective financing solution that allows you to realise your projects without having to sell your investments.
Finance your medium and long-term projects
Use a securities-backed loan to finance your building projects, car purchases, travel plans, etc.
Keep your investment fund portfolio
Benefit from a loan while preserving the yield potential of your securities.
Our offer in detail
- Currency: CHF
- Commission: free of charge
- Administration fee: free of charge
- Loan: fixed advance
- Collateral: Securities held in the investment fund deposit account and/or liquid assets
- Minimum loan amount: CHF 25,000
- Maximum loan amount: CHF 1,000,000
- Interest rate: fixed rate valid for 1 year, with automatic renewal for an identical period during the loan term
- Loan term: 5 years
- Early repayment: without penalty on each interest payment date
- Tax statement upon request: CHF 250.00
How it works
1
Project
You need money to complete a project:
I want to build a swimming pool, but don't have enough funds available.
2
Request
You contact your advisor to get a loan:
I phone my advisor to find a solution. They remind me that I have an investment fund deposit account that can be used as collateral for a loan to be granted to me.
3
Solution
You have a deposit account with Amundi investment funds. The securities-backed loan is therefore perfectly suited to your needs:
I have an investment fund deposit account worth CHF 50,000.
→ Response and release of funds within 48 hours.
4
Financing
You receive the money you need in your current account:
An amount set by the bank based on the chosen advance rate is quickly made available to me (e.g. CHF 25,000) on my current account. I can start the works with peace of mind!
5
Repayment
You pay interest over the loan term and have the option of repaying when it suits you best*:
I benefit over time. I will repay my securities-backed loan when it best suits me. Ultimately, the cash deposit offers me more advantages than a simple investment.
Need advice?
Tell us what you need and we'll get back to you as soon as possible.
Entering into a securities-backed loan involves a risk of realisation of the portfolio of securities pledged in the event of non-payment, fluctuation in the value of the securities or in other situations. Please refer to the loan agreement and the Securities-Backed Loan product sheet for more information on the risk involved.
* No penalty will be applied if made at maturity.