id,product_id,feature_key,feature_value,note,source_page
banknow:credit_now:pf:apr_max,banknow:credit_now,pricing_condition,APR-Cap 11% per Swiss KKG (Konsumkreditgesetz),Maximaler effektiver Jahreszins gesetzlich auf 11% gedeckelt. Bank-now Range 4.9-11.0% (creditworthiness-driven).,1
banknow:credit_now:pf:cohort_with_cembra,banknow:credit_now,pricing_condition,Cohort with Cembra Money Bank (cembra:barkredit),Bank-now + Cembra are the two largest Swiss consumer-credit specialists. Both publish APR ranges under KKG. Cross-bank ranking now meaningful: Bank-now headline 4.9% vs Cembra barkredit headline (TBD via DB query).,
banknow:credit_now:pf:eligibility,banknow:credit_now,pricing_condition,Min CHF 3000 monatliches Netto-Einkommen; Alter 20-70 bei Vertragsende,Standard-Eligibility-Kriterien fuer Privatkredit. Per Bank-now FAQ.,1
banknow:credit_now:pf:included_insurance,banknow:credit_now,included_services,Free Todesfall-Versicherung included,Death-coverage included in CREDIT-now bundle at no additional charge. Per Bank-now FAQ.,1
banknow:credit_now:pf:kkg_waiting,banknow:credit_now,pricing_condition,14-Tage Wartefrist + 10-Tage Widerrufsrecht (KKG-Pflicht),"Schweizer Konsumkreditgesetz: Wartefrist vor Auszahlung, Widerrufsrecht nach Auszahlung. Gesetzliche Pflicht.",1