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The credited amount that you could be granted will depend on your personal budget surplus
. According to the Swiss law, you should be able to reimburse your loan on a 36 months reimbursement duration, just with your personal surplus.
This means that if you can afford monthly payments of 900-1000 CHF, you could get a 30'000-35'000 CHF credited amount rather than 40'000CHF. But of course you can then choose to reimburse this loan on a 3, 4, 5 or 6 years duration!
The best solution is always to get some more information and advice from experts. I would suggest you to have a look here to know more about your personal loan options and get a free and non binding analyse. http://www.multicredit.ch/en/
I hope I helped answering your question! Have a good day!