Required documents for a credit application

To ensure a fast and efficient handling of your request, please send us At the very least

• An identity document
• A recent proof of income
• Proof of your housing costs (rent or mortgage statement).

These documents are essential for the bank to quickly open your file.

Many additional documents may be requested depending on your situation.

We invite you to consult the list of documents below which will help you draw up a complete file.

Customer identification is the first requirement that banks must meet.

To obtain financing, it is therefore necessary to provide a valid identity document on the day of payment of the credit agreement.

Note that It will be required to provide a certified identification, which can be obtained at the post office or from the Swiss Federal Railways (SBB).

If you live in Switzerland

• Copy of your identity card (double-sided) or Swiss passport Of your Driver's license (Swiss nationality)

Or

• Recto/back copy of your Establishment permit C

Or

• Recto/back copy of your Establishment permit B

Please note that at least one year of residence in Switzerland is required

• If your spouse (marriage or registered partnership) is included in the application, he will also have to be identified

If you are an employee in Switzerland but living abroad

• Copy of your Swiss identity document

Or

• Copy of your residence permit G. (minimum 3 years in Switzerland)

There are various housing situations whose consideration in calculating the budget can be justified according to the scenarios below.

In other cases, do not hesitate to contact us.

If you are a tenant

• Lease contract or full sublet signed

If you are a homeowner

• Mortgage framework contract or recent mortgage statements

Or

• List of mortgages for the latest tax taxation

If you live with someone

• Copy of full lease agreement of the person who hosts you

If you are hosting someone

It is possible to improve your credit capacity, if the person living in your home meets the conditions for obtaining a loan

If you are a cross-border worker (in addition to the previous documents)

• Proof of residence (electricity bill, property tax)

If you are an employee

• Copy of your three latest pay slips.

The last is sufficient in the case of a fixed salary

• Justification of bonuses or bonuses possible
• Employment contract if you have a temporary employment contract

If you are self-employed (for at least 2 years) and residing in Switzerland

• Copy of your last notice of full tax assessment (less than 12 months old)

If you are an AVS or AI annuitant

• AHV pension certificate and pension certificate
• Last three bank statements showing the receipt of your annuities.

If you receive alimony

• Judgement of divorce or complete separation

If you receive family or training benefits (in addition to your salary)

• Recent bank statement showing the payment of family benefits

If your child receives an apprenticeship salary

• Apprentice's latest pay slip

If you receive rental income

• Bank statement showing rent or latest tax notice

• Copy of your family's health insurance policies

Your Credial advisor will be happy to answer your questions and assist you in compiling your file. Do not hesitate to contact us for any further information.

We are available to help you at every stage of your credit application.