Hello,

I would like to know if it is possible to have a loan here in Switzerland in CHF to cover a US student loan in dollars to pay it off completely and get rid of the exchange rate risk (furthremore, now the dollar is preatty low....).

What are the institutions that do it? any experience?
What would be the expected interest rate? fixed or variable?

I contacted UBS, but they usually do mainly loans for house and real estates (this is what I have been told by the guy at the bank).

Concerning taxes, I understand that it is difficult to find good accountants who understands SWISS-US tax laws.
What should I look for, exactly (certifications or titles) to be sure the accountant is good so that there's no risk of penalties?

What is the exact income limit for no taxation (taking into account II pilier, as far as I understood)?

Thanks