Credit and financial situation
You wish to get a personal loan 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 credit 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.
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 :
- Your age
- Your nationality, residence permit
- Your employment status
Document to be submitted for employees residing in Switzerland :
- Copy of your ID (Identity card or Passport)
- Copy of your residence permit (L, B or C if other than Swiss)
- Proof of your incomes (3 pay slips and/or notification of pay entry on the bank account and/or annual salary certificate)
- For married or persons in « PACS », we also need the documents from your spouse or partner