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Financing for luxury watches

Customers can purchase new and pre-owned watches with flexible payment plans over 12 to 60 months and amounts up to CHF 250,000. Yourasset financing solutions are available.
directly in our partners' physical stores, on their own e-commerce platform, and in their digital shop on Yourasset. Customers align their purchases with their regular monthly income and lock in the current purchase price to protect themselves against (retail) price inflation. Financing solutions are available today in Switzerland for individuals (aged 18-65) with earned income and will soon be available in Germany.

Watch financing explained

Customers securely provide their information via the
The Yourasset platform and create their own account to follow everything
of the transaction, from the beginning to the delivery of their new
watch.

Your assets act as a payment facilitator, while clients pay fixed monthly installments to our banking partner. In Switzerland, interest payments are tax-deductible for individuals, thus reducing the effective interest costs. The client can repay the financing amount of
in advance.

The different stages are as follows

  1. Find your next watch and select a payment option
  2. Submit your personal and financial information
  3. The information is reviewed by ourselves and by our banking partner.
  4. Once approval is obtained, you will receive the contract.
  5. You sign it and send it back to our banking partner
  6. The merchant only receives your basic personal information
  7. Congratulations! Pick up your new watch from the retailer.
  8. Your information is saved for your next transaction

For any questions relating to the product, you can also contact our partners directly.

For any questions regarding the financing process, please contact us.

Explication

Les intérêts sont déductibles fiscalement.

Saviez-vous que vous pouvez déduire les intérêts liés au financement de votre montre de votre revenu imposable ? Tous les clients en Suisse bénéficient de cette déduction fiscale. Plus votre taux d'imposition marginal est élevé, plus votre avantage est important.

Avec un taux d'imposition marginal de 33 %, un taux d'intérêt de 6.9 % est par exemple réduit à 4.7 %. Vous ne payez des intérêts que sur le montant restant à financer.

Pour une Rolex d'une valeur de CHF 10'000, comme indiqué dans le tableau à droite ou ci-dessous, le coût total des intérêts sur quatre ans s'élève à environ 955 CHF, soit 239 CHF par an ou environ 20 CHF par mois dans cet exemple.

Yourasset propose des solutions de financement réglementées et transparentes qui offrent de réels avantages aux clients.