In Switzerland we estimate that personal loan is concerning more than 150'000 people by year. Nevertheless, the majority of them ignore what are the conditions for getting a credit. In our article we are proposing you to have an overview of the usual conditions practised by banks and credit agencies in our country.
Whatever the agency or the bank towards which the consumer is requesting a loan, this one has the obligation to check the eligibility of the customer. Thus for getting a credit you must:
In Switzerland, foreigners who are holding a working permit can get a credit without problem. Nevertheless, depending on the kind of permit, a minimal working duration towards the same employers is required:
In addition to the credit conditions linked to the nationality and the financial situations, your working type is playing a role for getting a loan:
Finally in addition to the credit conditions linked above, overall conditions are as well required:
If you wish to request a personal credit, Infocrédit suggest you to get information before being engaged. Indeed, every request being registered towards the credit central, it is better to avoid useless demand. A credit agency could propose you a preliminary analyse for free to aid you to estimate the possibilities of getting a loan.