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The House Loan Agreement is a fundamental document in Swiss property financing, used when individuals or entities seek to obtain funding for residential property purchases through a mortgage arrangement. It serves as the primary contractual framework governing the relationship between the lending institution and the borrower(s), incorporating requirements from Swiss banking regulations, property laws, and consumer protection legislation. The agreement must comply with strict Swiss regulatory requirements, including those set by FINMA, and typically requires notarization for validity. It details crucial aspects such as loan terms, security arrangements, borrower obligations, and enforcement mechanisms, while reflecting Switzerland's unique legal framework for property financing and mortgage security. The document is essential for both new property purchases and refinancing existing mortgages, and must account for specific Swiss requirements regarding loan-to-value ratios, amortization schedules, and security registration in the land registry.

1. Parties: Identification of the lender (typically a bank) and borrower(s), including full legal names, addresses, and any registration numbers

2. Background: Context of the loan agreement, including property details and purpose of the loan

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the loan amount, currency, and confirmed purpose of the loan

5. Interest Rate and Calculations: Details of interest rate (fixed or variable), calculation method, and adjustment mechanisms

6. Term and Repayment: Loan duration, repayment schedule, and amortization requirements

7. Security and Mortgage: Details of the mortgage security, property charges, and ranking of the security

8. Conditions Precedent: Conditions that must be satisfied before the loan becomes available

9. Borrower's Representations: Warranties and representations made by the borrower regarding their situation and the property

10. Borrower's Covenants: Ongoing obligations of the borrower, including property maintenance and insurance requirements

11. Events of Default: Circumstances that constitute default and their consequences

12. Bank's Rights and Remedies: Actions the bank can take in case of default or breach

13. Costs and Expenses: Allocation of costs, including fees, taxes, and enforcement expenses

14. Notices: How and where formal communications between parties should be made

15. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction for disputes