Personal Loan to B permit
Get cash while keeping control of your finances.
Access financing more easily with a personal loan to B permit holders.
Increase your chances to get a loan.
Your Credial advisor you will assist in the creation of a complete file and will refer you to partner banks that accept B license holders
Freely transfer funds to the account of your choice.
As soon as your credit agreement is activated, the funds will be paid into the account of your choice in Switzerland and can be transferred abroad if necessary. You are completely free to use them as you see fit., without having to provide supporting documents.
Group your credits and simplify your budget.
Enjoy free of our credit consolidation service. We take care of all the steps to combine your credits, cards and leases into a single monthly payment.
Our credit to B permit holders offers you much more
Take advantage of the tax deduction on the full interest of your personal loan.
Include the interest on your credit in your tax return to reduce your taxes and improve your budget.
Benefit from more flexibility to payback your loan faster.
Save on interest by repaying your loan early. Let your Credial advisor help you make the most of your repayments and boost your savings.
Take advantage of a competitive interest rate to strengthen your budget
With Credial, benefit from an optimized interest rate to reduce your monthly expenses and better manage your budget. Whether you want to consolidate your loans, finance a project, or simply improve your cash flow, we offer conditions tailored to your situation. Our experts guide you in finding the best solution to maximize your purchasing power with complete peace of mind.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity. Cela vous permettra dans certains cas d'éviter un refus.
A personalized credit solution tailored to your needs
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Does my international credit history affect my loan application?
Your credit history abroad may be considered when applying for a loan in Switzerland as a cross-border worker. To better understand how your international credit history might impact your application, we recommend consulting with our team for personalized advice.
Is it possible to get a loan in Switzerland with a B permit and a temporary employment contract?
Yes, it is possible to obtain a loan in Switzerland with a B permit and a temporary contract, but certain conditions apply. Most institutions require at least one year of employment with the same company to ensure a certain level of professional stability.
What are the conditions for obtaining a loan with a B permit in Switzerland?
To obtain a loan in Switzerland with a B permit, you must have resided in Switzerland for at least one year and hold a valid B residence permit. Additionally, most banks require a minimum net monthly income of approximately CHF 3,000 to evaluate your repayment capacity.
What criteria are taken into account for loan approval with a B permit?
The length of residence in Switzerland is the primary criterion. Most institutions require at least one year of residency, as B permit holders are considered to carry a higher risk. The country of origin also plays a significant role. A distinction is made between nationals of European countries, who generally benefit from more favorable conditions, and those from outside Europe, who face stricter criteria.
Next, financial criteria, such as solvency and fiscal capacity, are assessed in accordance with the Consumer Credit Act (LCC). To limit risk, banks and lending institutions may impose restrictions on the amount of financing or the loan term.
Before applying, it is recommended to assess your credit capacity with Credial to avoid a refusal being recorded with the ZEK
What documents do I need to apply for credit with a B permit in Switzerland?
To apply for credit with a B permit in Switzerland, several documents are required. A valid identity document is necessary, including a copy of both sides of the B permit.
For income verification, the last three payslips are required for employees, while self-employed individuals must provide their latest tax notice. Proof of residence is also needed. Tenants must provide a signed lease or sublet contract, while homeowners should present a mortgage master contract or recent mortgage statements.
These documents allow lenders to assess repayment capacity and avoid situations of over-indebtedness. Depending on the applicant's personal situation, additional documents may be requested.
