{"id":277,"date":"2024-06-27T22:49:51","date_gmt":"2024-06-27T22:49:51","guid":{"rendered":"https:\/\/apuwavab.myhostpoint.ch\/?page_id=277"},"modified":"2026-07-22T14:40:59","modified_gmt":"2026-07-22T14:40:59","slug":"kredit-checkliste","status":"publish","type":"page","link":"https:\/\/kredit.ch\/en\/kredit-checkliste\/","title":{"rendered":"Credit Checklist"},"content":{"rendered":"
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Credit Checklist<\/h1>\n\n\n\n
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What are the requirements for obtaining a loan in Switzerland?<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Requirements for loans<\/h2>\n\n\n\n
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In Switzerland, a loan under the Consumer Credit Act is called a personal loan. To apply for a personal loan in Switzerland, the following requirements must be met:<\/p>\n<\/div>\n\n\n\n

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A net income of at least CHF 3,000.<\/strong><\/p>\n\n\n\n

An income is a prerequisite for loan repayment. Furthermore, it is legally required for assessing creditworthiness. Different types of income and employment relationships are handled differently. In addition to income from employment, various other expenses and income are considered when assessing creditworthiness and thus calculating the credit limit.<\/p>\n<\/div>\n\n\n\n

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No outstanding debt collection proceedings*, certificates of loss or bankruptcies.<\/strong><\/p>\n\n\n\n

Creditworthiness always plays a role. The credit check includes an examination of the credit score, any outstanding debts, and the payment history. For consumer loans \u2013 which fall under the category of the average loan in Switzerland \u2013 a creditworthiness assessment is also legally required.<\/p>\n\n\n\n

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*What are outstanding debt collection proceedings?
<\/strong>This means you have officially registered unpaid debts. A clean credit report is a prerequisite for your loan application. This means that the extract from the debt enforcement register must not show any outstanding debt collection proceedings or certificates of loss against you. Only if this is the case can you submit the loan application.
Here is an example of what a clean debt enforcement report looks like:<\/p>\n\n\n\n

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View example<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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G\u00fcltiger Schweizer Pass oder Aufenthaltsbewilligung C, B.<\/strong><\/p>\n\n\n\n

F\u00fcr Schweizer, das F\u00fcrstentum Liechtenstein und in aller Regel C-Ausweise gelten keine Einschr\u00e4nkungen. Bei allen anderen Niederlassungsbewilligungen (B-Ausweis) gelten mitunter deutliche Einschr\u00e4nkungen. Diese sind je nach Anbieter unterschiedlich.<\/p>\n<\/div>\n\n\n\n

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Ausl\u00e4nder mit Aufenthaltsbewilligung B seit mindestens 18 Monaten in der Schweiz wohnhaft.<\/strong><\/p>\n\n\n\n

If a loan is approved, it will only be after a defined period of residence. Additional requirements regarding the borrower's profile are also to be expected.<\/p>\n<\/div>\n\n\n\n

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Age between 18 and 68 years.<\/strong><\/p>\n\n\n\n

Das Mindestalter ist eine gesetzliche Vorgabe, es d\u00fcrfen keine Kredite an Minderj\u00e4hrige vergeben werden. Dies ist ein tempor\u00e4rer Ausschluss bis zum Erreichen der Vollj\u00e4hrigkeit. Dar\u00fcber hinaus spielt das Alter auch in der Risikobewertung eine Rolle, sowohl f\u00fcr junge Kreditnehmer als auch \u00fcber einem Alter von 68 bzw. nach Erreichen des Pensionsalters.<\/p>\n<\/div>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n
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The application review and response will take place
within 24 hours<\/h4>\n\n\n\n
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You provide all necessary documents (copy of ID, payslips, etc.). If your application is successful, we will send you an offer and contract template by mail or email. Once you have returned the signed contract to us, the bank will transfer the requested loan directly to your account, taking into account the legally required waiting period of 14 days.<\/p>\n\n\n\n

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Apply for a loan now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Kredit Checkliste Welche Voraussetzungen gelten f\u00fcr einen Kredit in der Schweiz? Voraussetzungen f\u00fcr Kredite In der Schweiz wird ein Kredit nach Konsumkreditgesetz als Privatkredit bezeichnet. Um einen Privatkredit in der Schweiz zu beantragen, sind folgende Voraussetzungen zu erf\u00fcllen: Ein Nettoeinkommen von mindestens CHF 3\u2019000. Ein Einkommen ist eine Voraussetzung, um einen Kredit zur\u00fcckzahlen zu k\u00f6nnen. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-title-full-width","meta":{"footnotes":""},"class_list":["post-277","page","type-page","status-publish","hentry"],"yoast_head":"\nKredit Checkliste - Kredit ab 4.9% beantragen<\/title>\n<meta name=\"description\" content=\"Sicher zum Kredit Schweiz: Checkliste mit allen Anforderungen \u2013 inkl. 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