Not sure what type of request you plan to address the bank. They’ll gladly finance the aquisition of a business or a self-employed venture provided their assessment of the venture is that it is profitable. They’ll finance a car and provide a mortgage, for own use or rental property, provided their criteria are met. They’ll probably be reluctant to finance stock purchases unless they’re done through a lombard loan. No idea how they’d address your specific request.
I haven’t gone through a bank for it but private loans are mainly “no question asked” provided you fulfill the affordability criteria. In any case, unless there’s a collateral involved, the amortization rules of the loan would probably make it a very high threshold to meet before it actually becomes beneficial.
I wanted to take out a private loan for stocks investments. It took a 10 year amortization period and 14% planned returns on investment per year to make it work. I’ve deemed the risk way too high to push the endeavour any further. The 3-7% interest rate barely mattered in the global calculation (amortization is what killed it for me).
If you invest in metals ETF you would have the possibility to use a margin/lombard loan from your broker for maybe 65% of the total investment.
If you invest in physical metal you need a private credit line. There are many options, I believe MigrosBank online was always one of the cheaper ones at around 6% interest. No need to be specific with what you need the money for.
But do check your calculations, that will very likely be a bad idea given the required return.
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