Answers to
All Your Credit Questions

Penalties for early lease repayment can vary between lenders. To obtain precise details, it is recommended to request a statement directly from the lending organization. Additionally, buying out a lease is often much more advantageous than terminating the contract early.

To obtain a loan in Switzerland, it is essential to meet criteria for solvency and good repute. Regarding solvency, the Consumer Credit Act (LCC) requires an assessment of your repayment capacity, which involves creating a detailed budget.

In addition, the lending bank will evaluate your creditworthiness by reviewing data on your payment history from information databases such as ZEK (Zentralstelle für Kreditinformation) or CRIF.

Our advisors are available to assess your situation quickly and without obligation, helping you understand the credit options available to you.

‍

To obtain a training credit, it is generally necessary to meet the same solvency requirements outlined in the Consumer Credit Act (LCC). These requirements include criteria such as the ability to repay the loan, a favorable credit history, and a stable financial situation.

Credit applications in Switzerland are governed by strict data protection laws to ensure the security and privacy of personal information. The primary legislation includes the Swiss Federal Act on Data Protection (FADP), which outlines how personal data must be processed, stored, and shared. Additionally, the Ordinance to the FADP provides further guidelines.

Credit providers must also adhere to specific rules under the Consumer Credit Act (CCA), ensuring that data collected for credit applications is handled responsibly and transparently. Borrowers have the right to request access to their data and understand how it is used in the credit decision-making process.

‍

The documents required for your credit application may vary depending on your personal and professional situation. However, a valid ID and recent proof of income are mandatory in all cases. To simplify the processing of your application, we also recommend including a copy of your health insurance premiums (LAMal).

For a detailed list of required documents and additional guidance, feel free to visit our dedicated page: Required Documents for Your Credit Application. Our team remains at your disposal to assist you in efficiently preparing your file.

To obtain a credit as a self-employed person, it is generally necessary to provide the latest tax assessment. However, requirements may vary depending on your specific self-employed situation.

To ensure you have the correct documentation, we recommend consulting your Credial specialist directly. For more details, visit our page: Required Documents for Credit Application

‍

To proceed with the buyback of your credits, a copy of your existing credit contracts is generally sufficient. In some cases, a final statement—similar to a lease buyback—may also be required.

For more details and a complete list of required documents, visit our page: Required Documents for Credit Application. Feel free to contact us for more information or to discuss your loan buyback request.

‍

To increase your credit, you will need to provide the standard documents required for a credit application. Additionally, a copy of your current credit agreement will be necessary. These documents are essential for our team to evaluate your request for a credit increase promptly and efficiently.

For more information and a detailed list of required documents, visit our page: Required Documents for Credit Application. Feel free to contact us for assistance in preparing your credit increase.

‍

When applying for credit as an AI (Assurance Invalidité) pensioner, you can provide one of the following two types of documents:

1. The AI Pension Grant Decision: The official document confirming your entitlement to a disability pension.
2. The Latest Tax Certificate: A certificate detailing your disability pension as reported for tax purposes.

Providing either of these documents will allow the lender to verify your pension income and facilitate the credit application process. If you have any questions or need assistance, feel free to contact us. Our team is here to guide you through the process.

‍

When applying for credit as an AHV pensioner, you can provide one of the following three types of documents:

1. The current AHV pension decision: Official confirmation of your pension entitlement.
2. The pension certificate or the latest account statement mentioning the pension: Proof of the amount and regularity of your pension payments.
3. The tax certificate related to AHV pensions: Documentation of your pension income as reported for tax purposes.

If you have any questions or need assistance in preparing your application, feel free to contact us. Our team is here to guide you through the process and ensure a smooth experience.

‍