Many consumers can imagine something like “Swiss Credit”, but they do not know much about the process. Some believe that you can only apply for a loan personally in Switzerland. But there they are in error. Applying for a loan in Switzerland is not difficult, as financial services providers in Germany do that.
Apply for credit in Switzerland
Anyone interested in such a loan will find it on the internet. Many financial intermediaries specialize in Swiss credit. All formalities are handled online. The borrower merely gets the loan agreement sent home for signature.
After the loan request has been applied for online, the user receives a provisional commitment within a short time. The banks in Switzerland ultimately decide on the acceptance or cancellation of the loan request. Once all required documentation has been received and reviewed, it will only take a few days for the money to be credited to the borrower’s account.
Why apply for a loan in Switzerland at all?
In Germany, the provisions for lending are very strict. It is enough for some banks a not punctually paid bill to refuse a loan. Because a delay in payment is reported to the Credit bureau. The banks in Switzerland see it differently.
They do not ask Credit bureau and do not report a loan to them. Anyone wishing to apply for a loan in Switzerland may not be unemployed or self-employed. Even freelancers do not get credit from the banks in Switzerland.
This is because the Swiss banks have a fixed salary as collateral. However, it must exceed the attachable portion. The workplace may not be temporary. In addition, the borrower should already be employed by this employer for one year. If everything is correct, there should be no problems with a loan from the banks in Switzerland.
The loan from Switzerland is limited to around $ 3,500. There is no more. Another loan will only be approved if only a residual sum of 600, – USD is payable. Basically, the request for a Swiss loan is free. The financial service providers may not take advance payment, although unfortunately there are also black sheep. Of course, fees are only incurred when a credit agreement has been concluded.
A Swiss loan is ideal even if German banks should not know about it. Because basically a credit of Credit bureau is reported. But not with the Swiss loan, because the Swiss banks do not care about the Credit bureau.