Do you possess a C permit? Are you considering to ask for the Swiss citizenship? What are the conditions and consequences in terms of a private credit procedure? Our explanation and advice.
This procedure consists in obtaining the Swiss citizenship. There are two types of naturalization depending on the situation:
Requesting a naturalization involves many steps that you can see on the following website Ch.ch. The procedure and its cost depend on the canton you reside in, the commune you are part of and your situation (you can get a regular or a facilitated naturalization).
In terms of credit, a naturalization can have many advantages. You have to take in consideration that banks calculate a score for their clients in credit request situation. This score reflects a client’s personal and financial situation and is also influenced by his citizenship and work permit.
To set an example, a person with a C permit or a Swiss with the same budget will not have the same score. A naturalization request and the obtainment of the Swiss passport are two important aspects to get a credit. A Swiss citizen benefits of a much higher score than a foreigner.
Even though the score depends on a client’s budget, having the Swiss citizenship can make the difference in getting an approval or a refusal. Citizens can benefit of:
The interest rate that a client is given can make a huge difference in their monthly costs, specially when the payments last over years. For example a private loan of 50,000 CHF over 60 months:
A 1% less can make you save up to 1,200 CHF!
Did you recently make a naturalization request and got the Swiss citizenship? Do you wish to profit from your new advantages as a Swiss? Why not entrust your dossier to a financing specialist in Swiss loans like Prestaflex-Service. Have a free offer with no obligations. Having a specialist’s help can make the procedure easier and can make you have the best terms. Whether you are a Swiss or a foreigner, Prestaflex can make you benefit from the counseling and confidentiality of our experts. Furthermore, profit from flexible solutions and the best rates!
This article was written by the Multicredit team www.multicredit.ch