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 :
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 :
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 3,9%
- Financial amount: 5’000 to 250'000 CHF
- Flexible duration of credit: 6 to 120 months
- Immediate reply of principle
- Final reply under 24 hours
- High acceptance rate of files
- No file fees