Swiss loans: nationality & residence

The nationality, the types of residence permit / work or identity cards linked to residence have a direct impact on conditions for granting of personal loan in Switzerland.

Here are the two major classifications according to nationalities :

Swiss nationality

A Swiss person whose legal address is registered on Swiss territory fulfils one of the conditions for the granting of a private credit.

Persons residing in Liechtenstein are considered like Swiss in a point of view administrative.

Swiss people whose principal residence is established abroad are subjects to the same regulations as transfrontier worker holder of a permit G.

Other acceptance criteria

The other conditions to get a loan are :

• Your age
• Your financial situation
• Your employment status

Foreign nationality

loan applications accepted under conditions

Credit applications made by persons holding a residence permit C,B,G or an identity card D,E,F are accepted, but under certain conditions :

• Residence permit C
  Those in favor of a C permit are subject to the same regulations on private credit that Swiss people with their principal residence in the Swiss territory.
   
• Loan with B permit
• Loan for Cross-Border commuters
• Loan with Legitimation card D, E & F – international civil servant

No possibility for granting a loan

The law forbids persons holding a residence booklet or permit L, N or S to get a private loan.

Advantageous loan offer

• Interest rates from 4.9%
• Financial amount: 5’000 to 400'000 CHF
• Flexible duration of credit: 6 to 120 months
• Immediate reply of principle
• Final reply under 24 hours after a full review of your credit rating
• High acceptance rate of files
• No file fees

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