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Privatkredit Schweiz – There are many offers for private loans in Switzerland.<\/p>\n
These loans are only granted to private individuals and what is really important, with these loans the Schufa is not queried.<\/p>\n
For many years, these loans were considered dubious. Because unserious credit brokers horrendous fees demanded and nonsensical insurance imposed. Today it is different, you can take out a Swiss loan with complete peace of mind <\/p>\n
To take out a loan, it is not necessarily necessary to go to a bank. Money can also be lent by private persons. The simplest solution here is relatives or close friends, since here usually also the interest can be saved.<\/p>\n
Your financial situation should certainly also be in this case in order, the Schufa is not queried, but still you have to repay this loan and the rate must be secured.<\/p>\n
Surely no Schufa inquiry is made. Which is not to say that the Swiss do not attach conditions to the approval of a loan. So you have to prove a permanent residence in Germany, provide proof of income. Have a German bank account and of course be of legal age.<\/p>\n
Some banks also require additional collateral, but this only accelerates the disbursement. You will probably have to pay higher interest with a Swiss loan, your financial situation is not checked in detail.<\/p>\n
The banks take a higher risk and this is reflected in a higher interest rate. But the interest rates are not unaffordable, they do not deviate as much as you might think.<\/p>\n
Advantages of the personal loan in Switzerland<\/p>\n
Taking a loan from relatives or friends has several advantages. On the one hand the inquiry is omitted with the Schufa and also no entry is left over a credit. In addition, the loan agreement can be simpler than with a bank. There, the personal loan without Schufa is much more extensive.<\/p>\n
Because as a private person can freely decide on the terms of the loan, legal regulations need not be considered here.<\/p>\n
This is different with banks, because certain conditions must always be met here. Thus, a credit check will always be necessary to check the creditworthiness of the borrower. It is not uncommon to have to show proof of salary. With a private loan, however, it is not mandatory to agree on collateral. On the other hand, with a bank, you often have to agree to the assignment of your income.<\/p>\n
Even if it sounds simple at first to take money from a private lender as a private person, there are still some things you should keep in mind. A contract should always be drawn up, even with a personal loan.<\/p>\n
So all important points are written down, because with verbal agreements it can come fast to problems. Here it is important to define a term, otherwise the lender can cancel the loan at any time with a three-month notice period.<\/p>\n
The entire amount would then be due. Other items to note would be the loan amount, the payment and repayment date, and the interest rate. A big disadvantage is the lack of consumer protection. Because in case of disputes, a private borrower can not turn to a consumer protection organization. In the case of a private loan within the family or between friends, there can also be disagreements that can strain the personal relationship in the long run.<\/p>\n
So it should be weighed carefully whether a loan from family or friends is an option.<\/p>\n
Now first of all safe for all customers who have a negative Schufa entry. But also self-employed people have few chances to get a loan in Germany, they have no fixed income and every bank rejects the loan application here. It is much easier to get cheap loans in Switzerland. Many customers also take Swiss loans, simply because they do not want to strain their credit rating, as a "loan on the side" offers a Swiss loan formally.<\/p>\n
If you have a bad credit rating, you will not find a bank in Germany that will give you a personal loan. But a bad credit rating cannot prevent you from taking out a loan, after all, it is not only your good financial standing that counts, but also your reliability. Even though a Swiss loan is relatively easy to get, you should examine your finances carefully because repayment must be guaranteed.<\/p>\n
Personal loan in Switzerland there are special online platforms.<\/p>\n
These then mediate the loans from private individuals. Especially for those who do not get a loan from a bank, may find a solution here.<\/p>\n
As the one who gives the Switzerland private loan, there are also some things to consider. The income, i.e. the interest from quick credit (personal loans), must be taxed for example. If lending takes place between relatives, the interest income is taxed differently depending on the purpose of the loan. Here should inquire before.<\/p>\n
A personal loan in Switzerland is an unsecured loan, which means that the lender receives no security for his money. The lender must trust that you will repay the loan. You can use the money for all kinds of purposes, for example:<\/p>\n
A personal loan is an amount of money borrowed from a bank or other financial institution at a specific time. The borrower repays the lender over a period of time, usually with regular payments called installments. In return for providing the money and repaying it on time, lenders charge interest to cover their business costs.<\/p>\n
Mortgage rates in Switzerland are very competitive and tend to be lower than in many other countries. The average interest rate is 7%, but can vary depending on your creditworthiness and the amount you want to borrow.<\/p>\n
So, if you want to take out a private loan in Switzerland, we have the best tips for you to get the best deal for your mortgage:<\/p>\n
The term of your loan depends on the amount of money and the loan rate. The minimum loan amount is CHF 10,000. The maximum amount is 1.500.000 CHF.<\/p>\n
The repayment period is between 12 and 60 months (a typical loan with an interest rate of 5% would have a term of 24 to 60 months). The shorter the repayment period, the lower the monthly payment, but the more interest you pay over time because you repay the loan earlier.<\/p>\n
The longer the repayment period you or we choose with a fixed interest rate (see table below), the more we offer you only one or two financial institutions as possible providers in Switzerland and possibly abroad<\/p>\n
The loan amount is the amount you borrow, expressed in Swiss francs (CHF). It can vary depending on the bank and your income.<\/p>\n
Most banks offer loans between 10.000 and 100.000 CHF in. The maximum loan amount depends on your income and creditworthiness; it can be between 20% and 30% of your annual gross salary.<\/p>\n
To save time and money when taking out a personal loan, check out the offers from different banks. Compare the interest rate, term, and line of credit. Also pay attention to the loan conditions, e.g. B. On prepayment penalties.<\/p>\n
If you need money for different purposes or want to use your credit line for different types of loans (z. B. overdrafts or cash advances) as well as for an overdraft or cash advance yourself, you can check these offers separately to get a better idea of how much money you can borrow and on what terms it is available in the first place.<\/p>\n
We hope that this article has helped you understand the specifics of personal loans in Switzerland. With so many options, it's often hard to know where to start. Therefore, we would like to give you some tips on how to start your search. The first step? Take a look at our list of recommended lenders by category – it should help you narrow down your choices! And remember: If you need further assistance in applying for a loan, send us an e-mail or call us today. We know there are plenty of lenders out there offering competitive interest rates and attractive repayment terms… but we also think ours are pretty good (and don't forget the great perks!).<\/p>\n","protected":false},"excerpt":{"rendered":"
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