The Installment Purchase Contract is a vital document used in Swiss commercial transactions where goods are sold with payment spread over time. This contract type is particularly common in high-value purchases where immediate full payment is impractical or undesirable. The document must comply with Swiss legal requirements, specifically Articles 226a-228 of the Code of Obligations and the Federal Act on Consumer Credit. It's designed to protect both seller and purchaser interests by clearly defining payment terms, ownership rights, and responsibilities. The contract includes mandatory provisions for consumer protection, default scenarios, and title retention, making it suitable for both B2C and B2B transactions. Its structured approach to installment purchases helps businesses manage cash flow while providing customers with accessible payment options.

1. Parties: Identification of seller and purchaser with full legal names and addresses

2. Background: Context of the transaction and purpose of the installment purchase arrangement

3. Definitions: Key terms used throughout the agreement

4. Object of Purchase: Detailed description of the goods being sold, including specifications and condition

5. Purchase Price: Total purchase price, down payment, and installment structure

6. Payment Terms: Schedule of installments, payment methods, and due dates

7. Delivery and Transfer of Ownership: Terms of delivery and retention of title until full payment

8. Rights and Obligations: Core responsibilities of both parties during the contract period

9. Default and Consequences: Conditions constituting default and resulting legal remedies

10. Warranty: Statutory and additional warranty terms for the purchased goods

11. Termination: Grounds for termination and its consequences

12. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction

13. Signatures: Execution block for both parties