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Credit Simulation
Desired amount
Chf
Minimum amount Chf 5'000.-
Maximum amount Chf 400'000.-
Duration: 6 to 120 months
From 4.9%
from Chf
Loan application Loan application
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You are here : Homepage » Your profile » Financial situation
  • Age
  • Nationality and residence
    • Permit B
    • Transfrontier worker
    • Legitimation card
  • Professional situation
    • Pensioners AHV - IV
    • Independent - Director
    • Temporary– Interim
  • Financial situation

Loan and financial situation

You wish to get a personal loan in Switzerland but you don’t know if your financial situation allows it ?
You find below the terms of incomes and solvency to be fulfilled so that your credit application is accepted.

Conditions for granting a loan based on your financial situation

Minimum monthly income – professional activity

To subscribe to a private credit, you must submit a current employment contract and justify a minimum monthly income of 2'600 CHF net before tax. Below this threshold, your credit application can’t succeed.

Solvency

You have some current debt and you wonder if you can subscribe to a private loan? It depends on your situation:

If you have pursuits :

So that your credit application is considered, you have to fulfill the two further conditions :

  • Having a spouse who is solvent
  • The amount of your debt must be lower than 20'000

If you are victim of an act of defects in property

In this case, it is impossible 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

Loan application Debt consolidation Loan application Debt consolidation

Loan documents required

Additional conditions for accepting the application

You meet the required financial conditions for the granting of a private credit?
Now you just have to make sure you also meet our other conditions :

  • Loan age limit
  • Loan with C permit or Swiss nationality
  • Loan with B permit
  • Loan for Cross-Border commuters
  • Loan with Legitimation card
  • Loan for pensioner AHV, IV
  • Loan for self-employed worker, director
  • Loan for temporary worker

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Calculation example


CHF 20,000 over a period of 24 months at an annual percentage rate of 4.9% to 9.95%:
The total interest amounts to a minimum of 875.60 CHF (4.9% effective) and a maximum of 2044 CHF (9.95% effective)
Maximum annual percentage rate: 9.95% (includes the broker's fee, administrative fees and compulsory death insurance)
Repayment period: minimum 6 months - maximum 120 months.
Application fee: CHF 0
Loans are prohibited if they lead to excess consumer debt (Article 3 UC).

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CC Crédits Conseils SA
Chemin Ami Argand 11
1290 Versoix

T: 0848 10 2000

F: 0848 11 2000

E: info@creditsconseils.ch

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