One thing we have learnt is that in banking there is no one size fits all solution and therefore at Pilatus Bank we dedicate the necessary time to understand our customers’ requirements to be able to offer lending solutions which are tailored to the requirements and objectives of our clients.
We offer a variety of lending solutions to our clients including mortgage loans to finance your real estate, and Lombard loans which give our clients the access to additional liquidity on short notice. Our dedicated relationship managers will discuss with you the best credit option to cater for your specific needs. The relationship manager will discuss with clients our range of variable and fixed rate loans with repayment options suitable to their specific needs. Our rates depend, amongst others, on your circumstances, loan value and security. Our credit lines are generally secured by property, investment grade securities and currency, however, we assess each potential loan individually and consider other asset types to secure your lending requirements.
At Pilatus Bank, we also offer a range of flexible overdraft solutions in major currencies for your short-term borrowing requirements. We offer the possibility of secured and unsecured overdraft facilities with a term of up to 12 months.
We require our clients to maintain a current account with Pilatus Bank in order to consider a credit application. All credit applications are subject to our internal credit quality and affordability checks.