{"id":190,"date":"2024-06-27T02:38:02","date_gmt":"2024-06-27T02:38:02","guid":{"rendered":"https:\/\/apuwavab.myhostpoint.ch\/?page_id=190"},"modified":"2026-01-24T13:02:20","modified_gmt":"2026-01-24T13:02:20","slug":"privatkredit","status":"publish","type":"page","link":"https:\/\/kredit.ch\/fr\/privatkredit\/","title":{"rendered":"Pr\u00eat personnel"},"content":{"rendered":"<div class=\"wp-block-cover cover-image\" style=\"min-height:590px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"468\" class=\"wp-block-cover__image-background wp-image-932 size-large\" alt=\"\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1024x468.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1024x468.jpg 1024w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-300x137.jpg 300w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-768x351.jpg 768w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1536x702.jpg 1536w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-2048x937.jpg 2048w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-18x8.jpg 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim wp-block-cover__gradient-background has-background-gradient has-gradient-3-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-f10d1765 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-03dfb0e2 wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-left has-light-color has-text-color has-link-color has-large-font-size wp-elements-1a124ef9fcb32e994a3c24488f1f30f5\">Pr\u00eat personnel<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"has-text-align-left has-light-color has-text-color has-link-color wp-elements-f402ce99221a5b216938ecff9498e457\">Pr\u00eats personnels en Suisse \u00e0 partir de 4,9 % \u2013 faites votre demande en ligne. Calculez vos mensualit\u00e9s pour le montant de pr\u00eat souhait\u00e9 directement avec notre simulateur. Votre demande est gratuite, sans engagement et n'affecte pas votre score de cr\u00e9dit.<\/p>\n<\/div>\n\n\n<div class=\"narrow-calculator\"><form action=\"\/fr\/antrag\/?betrag=10000&#038;laufzeit_monate=36\" id=\"creditForm\" class=\"calculator-form\" data-trp-original-action=\"\/fr\/antrag?betrag=10000&laufzeit_monate=36\">\n\t\t<input type=\"hidden\" value=\"classic\" name=\"type\" \/>\n\t\t<h3 class=\"calculator-title\">Calculer son cr\u00e9dit<\/h3>\n  <div class=\"claculator-wrapper\">\n    <div class=\"form-group\">\n      <div class=\"flex\">\n        <label for=\"amount_input\">Cr\u00e9dit souhait\u00e9<\/label>\n        <input type=\"text\" class=\"form-control\" id=\"amount_input\" placeholder=\"10'000.00\" \/>\n      <\/div>\n      <input type=\"range\" min=\"1000\" max=\"250000\" step=\"1000\" value=\"10000\" class=\"custom-range\" id=\"amount_slider\" name=\"betrag\" \/>\n      <div class=\"flex small\">\n        <span><span>1'000<\/span> <em>CHF<\/em><\/span>\n        <span><span class=\"max\">250'000<\/span> <em>CHF<\/em><\/span>\n      <\/div>\n    <\/div>\n    <div class=\"form-group\">\n      <div class=\"flex\">\n        <label for=\"duration_input\">Dur\u00e9e (en mois)<\/label>\n        <input type=\"text\" class=\"form-control\" id=\"duration_input\" placeholder=\"36\" \/>\n      <\/div>\n      <input type=\"range\" min=\"6\" max=\"120\" step=\"6\" value=\"36\" class=\"custom-range\" id=\"duration_slider\" name=\"laufzeit_monate\" \/>\n      <div class=\"flex small\">\n        <span><span>6<\/span> <em>Monate<\/em><\/span>\n        <span><span class=\"max\">120<\/span> <em>Monate<\/em><\/span>\n      <\/div>\n    <\/div>\n    <div class=\"credit-protection\">\n      <label class=\"flex\"><span class=\"strong\">Garantie de cr\u00e9dit<\/span> <span class=\"tooltip tooltip-info\">\n\t\t\t\t\t\t\t\t\t\t<span>Garantie le paiement de vos mensualit\u00e9s en cas de perte d'emploi ou d'invalidit\u00e9. L'assurance n'est pas obligatoire.<\/span>\n        <\/span>\n      <\/label>\n      <div class=\"flex\">\n        <label class=\"form-check-label\" for=\"Ja\">\n          <input class=\"form-check-input check-input-custom\" type=\"radio\" name=\"ratenabsicherung\" id=\"Ja\" value=\"YES\" checked \/>\n          <span>Oui<\/span>\n        <\/label>\n        <label class=\"form-check-label\" for=\"Nein\">\n          <input class=\"form-check-input check-input-custom left\" type=\"radio\" name=\"ratenabsicherung\" id=\"Nein\" value=\"NO\" \/>\n          <span>Non<\/span>\n        <\/label>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"easycredit-numbers\">\n    <div class=\"inner-numbers\">\n      <strong>Mensualit\u00e9 (CHF)<\/strong>\n      <div class=\"flex\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n          <div class=\"narrow-flex\">\n            <label class=\"small strong\"><em>Taux d'int\u00e9r\u00eat annuel<\/em> de <span id=\"interest_low\">4.9<\/span>%<\/label>\n          <\/div>\n\t\t\t\t\t\t\t\t\t\t<label class=\"big\" id=\"amount_output\">313.70<\/label>\n\t\t\t\t\t\t\t\t\t\t<span class=\"small-label\">dont garantie de cr\u00e9dit (CHF) <label id=\"interest_low_ppi\">14.92<\/label> <em>CHF<\/em><\/span>\n        <\/div>\n        <div class=\"col\">\n          <div class=\"narrow-flex\">\n            <label class=\"small strong\"><em>Taux d'int\u00e9r\u00eat annuel<\/em> \u00e0 <span id=\"interest_high\">9.95<\/span>%<\/label>\n\t\t\t\t\t     <\/div>\n          <label class=\"big\" id=\"duration_output\">347.10<\/label>\n\t\t\t\t\t\t\t\t\t\t<span class=\"small-label\">dont garantie de cr\u00e9dit (CHF) <label id=\"interest_high_ppi\">18.09<\/label> <em>CHF<\/em><\/span>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n      <div class=\"bottom-wrapper\">\n\t\t\t\t\t\t\t\t<div class=\"full-width\">Vos frais d'int\u00e9r\u00eat totaux se situent entre CHF <span id=\"interest_low_output\">793.70<\/span> (4.9 % effectif) et CHF <span id=\"interest_high_output\">1'617.90<\/span> (9,95 % effectif), selon la solvabilit\u00e9.<\/div>\n\t\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"\/fr\/antrag\/?betrag=10000&laufzeit_monate=36\" id=\"credit-form-submit\" class=\"button button-primary\">Demander un cr\u00e9dit<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t   \t<\/div>\n    <\/div>\n  <\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"fr\"\/><\/form>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">Pr\u00eats personnels en Suisse \u2013 votre financement flexible<\/h3>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p>Un pr\u00eat personnel vous offre la libert\u00e9 financi\u00e8re de r\u00e9aliser vos projets personnels ou des investissements plus importants. Que ce soit pour acheter de nouveaux meubles, financer des \u00e9tudes, partir en vacances ou rembourser des pr\u00eats en cours, avec kredit.ch, vous pouvez faire votre demande de pr\u00eat personnel en Suisse facilement, rapidement et en toute transparence, en ligne.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/fr\/kredit-beantragen\/\">Faites une demande de pr\u00eat personnel d\u00e8s maintenant<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6ef9061c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Vos avantages avec kredit.ch<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conditions favorables<\/strong> \u2013 Pr\u00eats personnels \u00e0 partir de 4,9 %<\/li>\n\n\n\n<li><strong>Conseils ind\u00e9pendants<\/strong> \u2013 par des experts en cr\u00e9dit exp\u00e9riment\u00e9s<\/li>\n\n\n\n<li><strong>Aucuns frais de traitement<\/strong> \u2013 et sans commissions cach\u00e9es<\/li>\n\n\n\n<li><strong>Discr\u00e9tion absolue<\/strong> - Votre demande restera confidentielle<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Qu'est-ce qu'un pr\u00eat personnel?<\/h5>\n\n\n\n<p>Un pr\u00eat personnel est un pr\u00eat sans affectation particuli\u00e8re que vous pouvez contracter en tant que particulier. Cela signifie que vous d\u00e9cidez comment utiliser l'argent\u00a0: par exemple, pour des achats, des \u00e9tudes, des travaux de r\u00e9novation ou pour consolider des pr\u00eats existants.<\/p>\n\n\n\n<ul style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\" class=\"wp-block-list\">\n<li><strong>Conditions favorables<\/strong> \u2013 Pr\u00eats personnels \u00e0 partir de 4,9 %<\/li>\n\n\n\n<li><strong>Conseils ind\u00e9pendants<\/strong> \u2013 par des experts en cr\u00e9dit exp\u00e9riment\u00e9s<\/li>\n\n\n\n<li><strong>Aucuns frais de traitement<\/strong> \u2013 et sans commissions cach\u00e9es<\/li>\n\n\n\n<li><strong>Discr\u00e9tion absolue<\/strong> - Votre demande restera confidentielle<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Conditions requises pour un pr\u00eat personnel<\/h5>\n\n\n\n<p>Pour que votre demande de pr\u00eat soit approuv\u00e9e, les crit\u00e8res suivants doivent \u00eatre remplis\u00a0:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:33.33%\">\n<div class=\"wp-block-group has-gradient-2-gradient-background has-background is-layout-constrained wp-container-core-group-is-layout-db32e940 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<h4 class=\"wp-block-heading has-text-align-center has-light-color has-text-color has-link-color wp-elements-73cdc8cf6a9f7a7b0c32b69926a781ea\">Conseils gratuits en mati\u00e8re de pr\u00eats<\/h4>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-0b0c372aff6be425a596a569e3270890\">Avec nous, vous recevrez un gratuit<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-126e59ece960d143c68550bd5a43a396\"><strong>Conseils en mati\u00e8re de cr\u00e9dit dans 10 langues diff\u00e9rentes<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\" style=\"margin-top:var(--wp--preset--spacing--50)\"><img loading=\"lazy\" decoding=\"async\" width=\"826\" height=\"580\" src=\"https:\/\/kredit.ch\/wp-content\/themes\/kredit\/img\/cta-image.png\" alt=\"\" class=\"wp-image-745\"\/><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:044 404 75 70\">044 404 75 70<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h5 class=\"wp-block-heading\">Vos avantages lors du regroupement de vos pr\u00eats\u00a0:<\/h5>\n\n\n\n<p>En Suisse, un pr\u00eat \u00e0 la consommation est appel\u00e9 pr\u00eat personnel en vertu de la loi sur le cr\u00e9dit \u00e0 la consommation. Pour obtenir un pr\u00eat personnel en Suisse, les conditions suivantes doivent \u00eatre remplies\u00a0:<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-db6cbf98 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-12d3ec6f wp-block-columns-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group count-stacks smaller check-list is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-9c68c579 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>\u00c2ge minimum : 18 ans.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>R\u00e9sidence permanente en Suisse.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group count-stacks smaller check-list is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-9c68c579 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>Revenu r\u00e9gulier<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>Aucun \u00e9l\u00e9ment n\u00e9gatif significatif n'a \u00e9t\u00e9 relev\u00e9 au ZEK.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group requirements-bar has-secondary-light-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6ef9061c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-secondary-light-background-color has-background is-content-justification-left is-layout-constrained wp-container-core-column-is-layout-a79fdcd2 wp-block-column-is-layout-constrained\" style=\"padding-right:0;flex-basis:66.66%\">\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-cbc9dc1c wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/book-icon.svg\" alt=\"\" class=\"wp-image-944\"\/><\/figure>\n\n\n\n<p class=\"border-right\" style=\"padding-right:var(--wp--preset--spacing--40)\"><strong>Remplissez-vous ces<br>Exigences?<\/strong><\/p>\n\n\n\n<p>En principe, rien ne s'oppose donc \u00e0 l'obtention<br>du pr\u00eat souhait\u00e9.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:33.33%\">\n<div class=\"wp-block-group min-height has-primary-background-color has-background is-layout-constrained wp-container-core-group-is-layout-a151063b wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p class=\"has-text-align-center arrow-link-light has-light-color has-text-color has-link-color wp-elements-d3d2060995bd96c27694df470b3a1692\"><strong><a href=\"https:\/\/kredit.ch\/fr\/kredit-beantragen\/\">Acc\u00e9dez au calculateur de pr\u00eat<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns columns-whit-white-border is-layout-flex wp-container-core-columns-is-layout-145a2ba8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-light-color has-text-color has-link-color wp-elements-b75be0a00cf84f66bce6b1bd9a587d5b is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group min-height is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover\" style=\"min-height:607px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"790\" height=\"640\" class=\"wp-block-cover__image-background wp-image-1326 size-full\" alt=\"\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover.jpg 790w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-300x243.jpg 300w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-768x622.jpg 768w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-15x12.jpg 15w\" sizes=\"auto, (max-width: 790px) 100vw, 790px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim wp-block-cover__gradient-background has-background-gradient has-gradient-2-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-light-color has-text-color has-link-color wp-elements-a1644c61480cb70f9335ad5c175345fe is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<h5 class=\"wp-block-heading\">Voici comment fonctionne votre demande de pr\u00eat<\/h5>\n\n\n\n<div class=\"wp-block-group count-stacks smaller is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-52d14973 wp-block-group-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Conditions favorables<\/strong> \u2013 Pr\u00eats personnels \u00e0 partir de 4,9 %<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Conseils ind\u00e9pendants<\/strong> \u2013 par des experts en cr\u00e9dit exp\u00e9riment\u00e9s<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Aucuns frais de traitement<\/strong> \u2013 et sans commissions cach\u00e9es<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Discr\u00e9tion absolue<\/strong> - Votre demande restera confidentielle<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-light-border-color wp-container-content-958eb9dc is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-2b332e8c wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Exemple de calcul\u00a0:<\/strong><\/p>\n\n\n\n<p>Un pr\u00eat de 30\u00a0000 CHF sur 120 mois se traduit par un paiement mensuel compris entre 340,30 CHF et 444,95 CHF, \u00e0 un taux d\u2019int\u00e9r\u00eat annuel effectif compris entre 4,9\u00a0% et 9,95\u00a0%.<\/p>\n\n\n\n<p><br>Les co\u00fbts exacts d\u00e9pendent de votre cote de cr\u00e9dit.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"has-small-font-size\">Avertissement l\u00e9gal : Les pr\u00eats sont interdits s'ils entra\u00eenent un surendettement (art. 3 UWG).<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/fr\/kredit-beantragen\/\">Calculez et demandez un pr\u00eat personnel<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-36e67b55 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">Questions fr\u00e9quentes sur les pr\u00eats personnels<\/h3>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>1<\/em> <strong>Qu'est-ce qu'un pr\u00eat personnel?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Un <strong>Pr\u00eat personnel<\/strong> est un <strong>pr\u00eat non garanti<\/strong>, que vous pouvez contracter \u00e0 titre priv\u00e9. Vous d\u00e9cidez vous-m\u00eame de l'utilisation des fonds\u00a0: par exemple, meubles, vacances, \u00e9tudes sup\u00e9rieures, voiture ou encore le remboursement de pr\u00eats existants.<br>Le remboursement s'effectue par mensualit\u00e9s sur une dur\u00e9e de <strong>de 6 \u00e0 120 mois<\/strong>. \u00c0 <strong>kredit.ch<\/strong> Peux-tu <strong>Pr\u00eats en ligne en Suisse<\/strong> non contraignant, s\u00fbr et <strong>Appliquer ZEK-neutre<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>2<\/em> <strong>Quelles sont les conditions requises pour demander un pr\u00eat en Suisse\u00a0?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>\u00c0 un <strong>Pr\u00eat en Suisse<\/strong> Pour pouvoir candidater, les conditions suivantes doivent \u00eatre remplies\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c2ge minimum <strong>18 ans<\/strong><\/li>\n\n\n\n<li><strong>R\u00e9sidence permanente en Suisse<\/strong><\/li>\n\n\n\n<li><strong>Revenu r\u00e9gulier<\/strong><\/li>\n\n\n\n<li>Aucun point n\u00e9gatif majeur <strong>Entr\u00e9es ZEK<\/strong><\/li>\n\n\n\n<li>Aucune activit\u00e9 en cours ou s\u00e9rieuse <strong>Proc\u00e9dures de recouvrement de cr\u00e9ances<\/strong><\/li>\n\n\n\n<li><strong>Passeport suisse valide<\/strong> ou <strong>Permis de s\u00e9jour B ou C<\/strong><\/li>\n\n\n\n<li>Pour le permis de s\u00e9jour B\u00a0: <strong>au moins 12 mois de r\u00e9sidence en Suisse<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Chaque demande de pr\u00eat est \u00e9tudi\u00e9e individuellement. Nos experts vous conseilleront personnellement sur les moyens d'optimiser vos chances d'approbation.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>3<\/em> <strong>Quel est le montant maximum que je peux demander?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Sur kredit.ch, vous pouvez obtenir un <strong>Pr\u00eat de 1 000 CHF \u00e0 250 000 CHF<\/strong> enregistrer.<br>Le montant du pr\u00eat \u00e9ventuel d\u00e9pend de plusieurs facteurs, notamment\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vos revenus<\/li>\n\n\n\n<li>Votre cote de cr\u00e9dit<\/li>\n\n\n\n<li>Votre situation financi\u00e8re globale<\/li>\n<\/ul>\n\n\n\n<p>Gr\u00e2ce au simulateur de pr\u00eat de kredit.ch, vous pouvez imm\u00e9diatement voir quel montant de mensualit\u00e9 et quelle dur\u00e9e de pr\u00eat conviennent \u00e0 votre situation. <strong>Pr\u00eat en ligne<\/strong> sont r\u00e9alistes.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>4<\/em> <strong>Puis-je rembourser un pr\u00eat existant via kredit.ch\u00a0?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Oui. Avec un <strong>Restructuration de la dette<\/strong> vous pouvez refinancer vos pr\u00eats existants avec un nouveau pr\u00eat offrant de meilleures conditions. Les avantages sont les suivants\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais d'int\u00e9r\u00eats r\u00e9duits<\/li>\n\n\n\n<li>Mensualit\u00e9s r\u00e9duites<\/li>\n\n\n\n<li>Une plus grande clart\u00e9 gr\u00e2ce \u00e0 un seul pr\u00eat<\/li>\n<\/ul>\n\n\n\n<p>kredit.ch compare gratuitement pour vous les meilleures offres. <strong>Restructuration de la dette en Suisse<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>5<\/em> <strong>Les retrait\u00e9s peuvent-ils contracter un pr\u00eat\u00a0?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Oui aussi <strong>Les retrait\u00e9s peuvent demander un pr\u00eat<\/strong>. Une condition pr\u00e9alable est une pension de retraite stable ou un revenu r\u00e9gulier garantissant le remboursement.<br>Nos consultants \u00e9valueront votre situation personnelle et trouveront une solution adapt\u00e9e \u00e0 vos besoins. <strong>Cr\u00e9dit priv\u00e9 Suisse<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-ba9ea59f wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/fr\/kredit-beantragen\/\">Faites une demande de pr\u00eat personnel d\u00e8s maintenant<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Privatkredit Schweiz \u2013 Ihre flexible Finanzierung Ein Privatkredit verschafft Ihnen finanzielle Freiheit f\u00fcr pers\u00f6nliche W\u00fcnsche oder gr\u00f6ssere Investitionen. Ob neue M\u00f6bel, eine Weiterbildung, Ferien oder die Abl\u00f6sung bestehender Kredite \u2013 mit kredit.ch beantragen Sie Ihren Privatkredit in der Schweiz einfach online, schnell und transparent. Ihre Vorteile mit kredit.ch Was ist ein Privatkredit? Ein Privatkredit ist [&hellip;]<\/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-190","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Privatkredit beantragen - Kredit ab 4.9% - easycredit<\/title>\n<meta name=\"description\" content=\"Privatkredit beantragen \u2013 Pr\u00fcfen Sie jetzt die Voraussetzungen: Mindest-Nettoeinkommen von CHF 3000, keine offenen Betreibungen. 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