{"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":"2026-01-20T16:06:18","modified_gmt":"2026-01-20T16:06:18","slug":"kredit-checkliste","status":"publish","type":"page","link":"https:\/\/kredit.ch\/fr\/kredit-checkliste\/","title":{"rendered":"Liste de contr\u00f4le du cr\u00e9dit"},"content":{"rendered":"
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Liste de contr\u00f4le du cr\u00e9dit<\/h1>\n\n\n\n
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Quelles sont les conditions requises pour obtenir un pr\u00eat en Suisse\u00a0?<\/p>\n<\/div>\n<\/div>\n\n\n\n

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<\/div>\n\n\n\n

Conditions d'octroi de pr\u00eats<\/h2>\n\n\n\n
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En Suisse, un pr\u00eat accord\u00e9 dans le cadre de la loi sur le cr\u00e9dit \u00e0 la consommation est appel\u00e9 pr\u00eat personnel. Pour obtenir un pr\u00eat personnel en Suisse, les conditions suivantes doivent \u00eatre remplies\u00a0:<\/p>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n
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Un revenu net d'au moins 3 000 CHF.<\/strong><\/p>\n\n\n\n

Un revenu est une condition pr\u00e9alable au remboursement d'un pr\u00eat. De plus, il est l\u00e9galement requis pour \u00e9valuer la solvabilit\u00e9. Les diff\u00e9rents types de revenus et de relations professionnelles sont trait\u00e9s diff\u00e9remment. Outre les revenus d'activit\u00e9, diverses autres d\u00e9penses et revenus sont pris en compte pour \u00e9valuer la solvabilit\u00e9 et calculer ainsi la limite de cr\u00e9dit.<\/p>\n<\/div>\n\n\n\n

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Aucune proc\u00e9dure de recouvrement de cr\u00e9ances en cours*, aucun certificat de perte ni aucune faillite.<\/strong><\/p>\n\n\n\n

La solvabilit\u00e9 est toujours un crit\u00e8re d\u00e9terminant. La v\u00e9rification de cr\u00e9dit comprend l'examen du score de cr\u00e9dit, des dettes en cours et de l'historique de paiement. Pour les pr\u00eats \u00e0 la consommation \u2013 qui rel\u00e8vent de la cat\u00e9gorie des pr\u00eats courants en Suisse \u2013 une \u00e9valuation de la solvabilit\u00e9 est \u00e9galement obligatoire.<\/p>\n\n\n\n

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*Que sont les proc\u00e9dures de recouvrement de cr\u00e9ances en cours\u00a0?
<\/strong>Cela signifie que vous avez officiellement d\u00e9clar\u00e9 des dettes impay\u00e9es. Un dossier de cr\u00e9dit vierge est indispensable pour votre demande de pr\u00eat. Autrement dit, l'extrait du registre des poursuites pour dettes ne doit faire \u00e9tat d'aucune proc\u00e9dure de recouvrement en cours ni d'aucun certificat de perte \u00e0 votre encontre. Ce n'est qu'\u00e0 cette condition que vous pourrez soumettre votre demande de pr\u00eat.
Voici un exemple de ce \u00e0 quoi ressemble un rapport de recouvrement de cr\u00e9ances sans incident\u00a0:<\/p>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Voir un exemple<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Passeport suisse valide ou permis de s\u00e9jour C, B, L, G ou diplomatique.<\/strong><\/p>\n\n\n\n

Pour les citoyens suisses, les citoyens de la Principaut\u00e9 de Liechtenstein et les titulaires d'un permis C, il n'y a g\u00e9n\u00e9ralement aucune restriction. Pour tous les autres permis de s\u00e9jour (permis B, G, L), des restrictions importantes peuvent s'appliquer. Celles-ci varient selon l'autorit\u00e9 comp\u00e9tente.<\/p>\n<\/div>\n\n\n\n

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Etrangers avec un permis de s\u00e9jour B r\u00e9sidant en Suisse depuis au moins 12 mois<\/strong><\/p>\n\n\n\n

Si le pr\u00eat est accord\u00e9, il ne sera d\u00e9bloqu\u00e9 qu'apr\u00e8s une p\u00e9riode de r\u00e9sidence d\u00e9finie. Des exigences suppl\u00e9mentaires concernant le profil de l'emprunteur sont \u00e9galement \u00e0 pr\u00e9voir.<\/p>\n<\/div>\n\n\n\n

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\u00c2ge entre 18 et 68 ans.<\/strong><\/p>\n\n\n\n

L'\u00e2ge minimum est une condition l\u00e9gale\u00a0; les pr\u00eats ne peuvent \u00eatre accord\u00e9s aux mineurs. Cette exclusion est temporaire et s'applique jusqu'\u00e0 la majorit\u00e9 de l'emprunteur. Par ailleurs, l'\u00e2ge est \u00e9galement un facteur pris en compte dans l'\u00e9valuation des risques, tant pour les jeunes emprunteurs que pour ceux \u00e2g\u00e9s de plus de 65\u00a0ans ou ayant atteint l'\u00e2ge de la retraite.<\/p>\n<\/div>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n
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L'examen de la demande et la r\u00e9ponse auront lieu.
dans les 24 heures<\/h4>\n\n\n\n
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Vous fournissez tous les documents n\u00e9cessaires (copie de votre pi\u00e8ce d'identit\u00e9, bulletins de salaire, etc.). Si votre demande est accept\u00e9e, nous vous enverrons une offre et un mod\u00e8le de contrat par courrier ou par courriel. D\u00e8s r\u00e9ception du contrat sign\u00e9, la banque virera le pr\u00eat demand\u00e9 directement sur votre compte, en tenant compte du d\u00e9lai l\u00e9gal de 14 jours.<\/p>\n\n\n\n

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Faites une demande de pr\u00eat d\u00e8s maintenant<\/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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