More flexibility with Lombard

In exchange for a pledge of your liquid securities, such as equities, bonds or investment funds, you will receive a credit line that you can use flexibly at any time. You increase your liquidity and continue to benefit from your portfolio returns.

Increase the returns on your invested capital

Stick to your investment strategy despite a liquidity need

Improve the diversification of your investments

Receive liquidity to fulfill your wishes

Factsheet (PDF)

How does a Lombard loan work?

Regardless of whether you value maximum flexibility or need additional capital for a certain amount of time, we offer the right solution for you. Find out which use type* best suits your needs.

Lombard loan in the form of current account credit
- Flexible credit amount with semi-annual and quarterly credit interest payments
- The credit limit depends on the maximum collateral value of your pledged securities.
- The minimum credit amount is CHF 30,000. Interest payments are only due for the amount you effectively borrow. The interest rate is based on the current money and capital market conditions.
- The Lombard loan in the form of current account credit can be paid out in several currencies.
Lombard loan in the form of a fixed advance
- This loan has a fixed amount, a fixed term, and a fixed interest rate.
- The credit limit depends on the maximum collateral value of your pledged securities.
- The minimum credit amount is CHF 100,000. The interest rate is fixed for the term in question and is based on current money and capital market conditions.
- No commissions are charged.
- The Lombard loan in the form of a fixed advance can be paid out in various currencies.
Learn more about the (L)IBOR Benchmark Transition

^{* The Lombard limit can also be used to cover bank guarantees or derivative transactions.}

Find out more now

Find out here about Lombard loans and the many ways in which they can be used.

Applying is easy

Apply for your Lombard loan online via Credit Suisse Direct, via your client advisor, or call our Customer Service Center at 0848 880 844.

Flexible financing

You receive a frame limit that allows you to benefit quickly from affordable liquidity for your future financing or investment needs without additional documentation.

^{* For security reasons and training purposes, telephone calls may be recorded. Standard connection rates apply (Swisscom). Mobile phone and foreign rates as well as the charges of other providers may vary.}

Benefits and risks of a Lombard loan

Gain an overview of the main benefits and risks associated with Lombard business, and find out when a Lombard loan is possible.

Your benefits at a glance
You receive additional capital without having to sell securities.

You continue to benefit from the capital value increase and the income potential of your securities.

You can change your portfolio structure at any time.

You can structure your Lombard loan, with our assistance, to suit your personal needs (type, amount, duration and currency).

You optimize your taxes.*

Credit advisors at Credit Suisse advise you in achieving your financial goals.
^{* The key factors are your tax domicile and your individual tax return. Please discuss the options with your tax consultant.}
A Lombard loan is suitable for you if...
You want to benefit from attractive credit interest rates.

You are aware of the characteristics and risks of a Lombard loan.

You believe that the future income of your investments will exceed the loan costs.

You have the financial resources to bear unrealized losses and keep the pledged securities even in volatile market situations.

You are able to meet potential calls to provide additional cover, as well as to ensure interest payment and loan repayment.
Risks of a Lombard loan

The collateral value of your securities is reviewed on a regular basis. If the pledged securities lose value or Credit Suisse adjusts the loan-to-value ratio, additional collateral in the form of securities must be provided or parts of the Lombard loan repaid. If you do not meet these obligations, Credit Suisse is entitled to adjust the structure of your portfolio or sell pledged securities.