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ORCO
CH
CH
Art. 314 Bundesgesetz vom 30. März 1911 betreffend die Ergänzung des Schweizerischen Zivilgesetzbuches (OR)
OR; Zweite Abteilung: Die einzelnen Vertragsverhältnisse; Neunter Titel: Die Leihe; Zweiter Abschnitt: Das Darlehen; B. Wirkung; I. Zinse; 2. Zinsvorschriften
Art. 314 OR
Wenn der Vertrag die Höhe des Zinsfusses nicht bestimmt, so ist derjenige Zinsfuss zu vermuten, der zurzeit und am Orte des Darlehensempfanges für die betreffende Art von Darlehen üblich war.
Mangels anderer Abrede sind versprochene Zinse als Jahreszinse zu entrichten.
Die vorherige Übereinkunft, dass die Zinse zum Kapital geschlagen und mit diesem weiter verzinst werden sollen, ist ungültig unter Vorbehalt von kaufmännischen Zinsberechnungen im Kontokorrent und ähnlichen Geschäftsformen, bei denen die Berechnung von Zinseszinsen üblich ist, wie namentlich bei Sparkassen.
Gerichtsentscheide zu dieser Bestimmung (14)
A/3985/2024 · ge (Art. 314 al. 3 CO)
Pension Institution v. Company: Lifting of Opposition to Payment Order for Unpaid Contributions
Cited in the reasoning section specifying that the prohibition of anatocism does not apply to current account contracts.
FI.2023.0110 · vd (art. 313 et 314 CO)
Parent-Child Loan Reclassified as Gift Taxable Upon Agreement
Cited in the reasoning concerning interest on loans.
C/3583/2021 · ge (art. 314 al. 1 CO)
Borrower v. Lender: Negative Libor and Default Interest on Loan Agreement
Cited regarding the interest rate being determined by agreement in commercial loans.
C/26281/2015 · ge (art. 314 al. 1 CO)
Loan Agreement Negative Interest Rate Dispute
Cited in the reasoning regarding the fixation of the interest rate by agreement.
HG160185 · zh (Art. 314 Abs. 3 OR)
Garage Business Sale Dispute and Unsecured Loan Repayment
Cited in the reasoning to deny interest on interest (compound interest) for the loan repayment, which forms the basis for the principal amount awarded in Order 1.
ML.2017.82 · vd (Art. 314 al. 3 CO)
Appeal on Provisional Lifting of Opposition to Payment Order Based on Conditional Debt Acknowledgment and Usury Claim
Cited in the reasoning to discuss the prohibition of compound interest (anatocism), which affected the calculation of the principal amount.
C/5500/2012 · ge (Art. 314 al. 3 CO)
Simulated Sale of Shares v. Loan Enforcement
Cited in reasoning regarding the prohibition of capitalizing interest (compound interest) on contractually agreed interest.
ML.2016.70 · vd (Art. 314 al. 3 CO)
Mortgage Certificate Foreclosure and Causal Claim Dispute
Cited in the final order to prohibit interest from bearing interest on the claim based on mortgage certificates.
ML.2016.74 · vd (Art. 314 al. 3 CO)
Mortgage Foreclosure Provisional Lifting Upheld with Interest Calculation Modification
Cited in the reasoning to prohibit interest on the portion representing overdue interest (128'582.70 fr.).
85.2009.PHC · vd (art. 314 al. 3 *in initio* CO)
Plaintiff v. Defendant (Loan Recovery with Anatocism Limitation)
Cited concerning the prohibition of compound interest (anatocism).
CC.2002.67 · ne (Art. 314 al.3 CO)
Debt Imputation in Divorce Settlement Enforcement
Cited in reasoning regarding the prohibition of compounding interest, relevant to the calculation of the debt confirmed in orders 3 and 4.
ZF 2002 63 · gr (Art. 314 Abs. 1 OR)
Heir's Claim for Recognition of Deceased's Unrecorded Loans Upheld on Appeal
Cited in the reasoning as the general rule regarding the presumption of interest rates on loans, which was superseded by Art. 73 Abs. 1 OR in this case.
ZF 2002 63 · gr (Art. 314 Abs. 1 OR)
Estate Debt Confirmation Appeal
Cited as the general rule for determining the interest rate on a loan, although ultimately supplemented by Art. 73 Abs. 1 OR.
ML.2023.121 · vd (Art. 314 al. 2 CO)
Appeal Against Provisional Lifting of Opposition in Debt Enforcement (Interest Claim Tied to Future Profit Realization)
Cited in the heading, although the court ultimately found the parties had contracted out of its default rule regarding interest payment frequency.