{"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\/it\/privatkredit\/","title":{"rendered":"Prestito personale"},"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\">Prestito personale<\/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\">Prestiti personali in Svizzera a partire dal 4,9% - richiedi online. Calcola la rata mensile per l'importo del prestito desiderato direttamente con il nostro calcolatore di prestiti. La tua richiesta \u00e8 gratuita, non vincolante e non influisce sul tuo punteggio di credito.<\/p>\n<\/div>\n\n\n<div class=\"narrow-calculator\"><form action=\"\/it\/antrag\/?betrag=10000&#038;laufzeit_monate=36\" id=\"creditForm\" class=\"calculator-form\" data-trp-original-action=\"\/it\/antrag?betrag=10000&laufzeit_monate=36\">\n\t\t<input type=\"hidden\" value=\"classic\" name=\"type\" \/>\n\t\t<h3 class=\"calculator-title\">Calcolo del prestito<\/h3>\n  <div class=\"claculator-wrapper\">\n    <div class=\"form-group\">\n      <div class=\"flex\">\n        <label for=\"amount_input\">Somma del credito (CHF)<\/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\">Durata (mesi)<\/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\">Assicurazione sul prestito<\/span> <span class=\"tooltip tooltip-info\">\n\t\t\t\t\t\t\t\t\t\t<span>Con questo assicurate il vostro pagamento rateale nei casi di invalidit\u00e0 e  disoccupazione involontaria. La protezione del credito \u00e8 facoltativa.<\/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>Si<\/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>No<\/span>\n        <\/label>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"easycredit-numbers\">\n    <div class=\"inner-numbers\">\n      <strong>Rata mensile (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>Tasso di interesse annuo<\/em> da <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\">Di cui assicurazione (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>Tasso di interesse annuo<\/em> a <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\">Di cui assicurazione (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\">I vostri costi totali degli interessi variano tra CHF <span id=\"interest_low_output\">793.70<\/span> (4.9 % effettivo) e CHF <span id=\"interest_high_output\">1'617.90<\/span> (efficace al 9,95%), a seconda dell'affidabilit\u00e0 creditizia.<\/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=\"\/it\/antrag\/?betrag=10000&laufzeit_monate=36\" id=\"credit-form-submit\" class=\"button button-primary\">Richiedere un prestito<\/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=\"it\"\/><\/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)\">Prestito personale Svizzera \u2013 Il tuo finanziamento flessibile<\/h3>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p>Un prestito personale vi offre libert\u00e0 finanziaria per realizzare i vostri desideri personali o per realizzare investimenti pi\u00f9 consistenti. Che si tratti di nuovi mobili, corsi di formazione continua, una vacanza o l'estinzione di prestiti esistenti, con kredit.ch potete richiedere il vostro prestito personale in Svizzera in modo semplice, online, rapido e trasparente.<\/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\/it\/kredit-beantragen\/\">Richiedi subito un prestito personale<\/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\">I tuoi vantaggi con kredit.ch<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Condizioni favorevoli<\/strong> \u2013 Prestiti personali dal 4,9%<\/li>\n\n\n\n<li><strong>Consulenza indipendente<\/strong> \u2013 da esperti di credito esperti<\/li>\n\n\n\n<li><strong>Nessuna commissione di elaborazione<\/strong> \u2013 e nessuna commissione nascosta<\/li>\n\n\n\n<li><strong>Discrezione assoluta<\/strong> - La tua richiesta rimarr\u00e0 riservata<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Che cos'\u00e8 un prestito personale?<\/h5>\n\n\n\n<p>Un prestito personale \u00e8 un prestito senza una finalit\u00e0 specifica che puoi ottenere come privato. Ci\u00f2 significa che sei tu a decidere come utilizzare il denaro, ad esempio per acquisti, corsi di formazione, ristrutturazioni o per consolidare prestiti esistenti.<\/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>Condizioni favorevoli<\/strong> \u2013 Prestiti personali dal 4,9%<\/li>\n\n\n\n<li><strong>Consulenza indipendente<\/strong> \u2013 da esperti di credito esperti<\/li>\n\n\n\n<li><strong>Nessuna commissione di elaborazione<\/strong> \u2013 e nessuna commissione nascosta<\/li>\n\n\n\n<li><strong>Discrezione assoluta<\/strong> - La tua richiesta rimarr\u00e0 riservata<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Requisiti per un prestito personale<\/h5>\n\n\n\n<p>Affinch\u00e9 la tua richiesta di prestito venga approvata, devono essere soddisfatti i seguenti criteri:<\/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\">Consulenza gratuita sui prestiti<\/h4>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-0b0c372aff6be425a596a569e3270890\">Con noi riceverai un omaggio<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-126e59ece960d143c68550bd5a43a396\"><strong>Consulenza creditizia in 10 lingue diverse<\/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\">I tuoi vantaggi nel consolidamento dei prestiti:<\/h5>\n\n\n\n<p>In Svizzera, un prestito al consumo \u00e8 definito prestito personale ai sensi della Legge sul credito al consumo. Per richiedere un prestito personale in Svizzera, \u00e8 necessario soddisfare i seguenti requisiti:<\/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>Et\u00e0 minima: 18 anni.<\/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>Residenza permanente in Svizzera.<\/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>Reddito regolare<\/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>Nessuna segnalazione negativa seria presso lo 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>Soddisfi questi<br>Requisiti?<\/strong><\/p>\n\n\n\n<p>Quindi, in linea di principio, non c'\u00e8 pi\u00f9 nulla che possa ostacolare<br>il prestito desiderato.<\/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\/it\/kredit-beantragen\/\">Vai al calcolatore del prestito<\/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\">Ecco come funziona la tua richiesta di prestito<\/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>Condizioni favorevoli<\/strong> \u2013 Prestiti personali dal 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>Consulenza indipendente<\/strong> \u2013 da esperti di credito esperti<\/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>Nessuna commissione di elaborazione<\/strong> \u2013 e nessuna commissione nascosta<\/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>Discrezione assoluta<\/strong> - La tua richiesta rimarr\u00e0 riservata<\/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>Esempio di calcolo:<\/strong><\/p>\n\n\n\n<p>Un prestito di CHF 30.000 con una durata di 120 mesi comporta una rata mensile compresa tra CHF 340,30 e CHF 444,95 con un tasso di interesse annuo effettivo compreso tra il 4,9% e il 9,95%.<\/p>\n\n\n\n<p><br>I costi esatti dipendono dal tuo merito creditizio.<\/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\">Avvertenza legale: la concessione di prestiti \u00e8 vietata se comporta un sovraindebitamento (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\/it\/kredit-beantragen\/\">Calcola e richiedi un prestito personale<\/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)\">Domande frequenti sui prestiti personali<\/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>Che cos'\u00e8 un prestito personale?<\/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>Prestito personale<\/strong> \u00e8 un <strong>prestito non garantito<\/strong>, che puoi stipulare come privato. Decidi tu stesso come utilizzare il denaro: ad esempio, per mobili, vacanze, corsi di formazione, un'auto o per consolidare prestiti esistenti.<br>Il rimborso avviene in rate mensili per un periodo di <strong>da 6 a 120 mesi<\/strong>. A <strong>kredit.ch<\/strong> Puoi il tuo <strong>Prestiti online in Svizzera<\/strong> non vincolante, sicuro e <strong>Applicare ZEK-neutrale<\/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>Quali sono i requisiti per richiedere un prestito in Svizzera?<\/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>A un <strong>Prestito in Svizzera<\/strong> Per poter presentare domanda, devono essere soddisfatte le seguenti condizioni:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Et\u00e0 minima <strong>18 anni<\/strong><\/li>\n\n\n\n<li><strong>Residenza permanente in Svizzera<\/strong><\/li>\n\n\n\n<li><strong>Reddito regolare<\/strong><\/li>\n\n\n\n<li>Nessun aspetto negativo serio <strong>voci ZEK<\/strong><\/li>\n\n\n\n<li>Nessun problema serio o in corso <strong>Procedimenti di recupero crediti<\/strong><\/li>\n\n\n\n<li><strong>Passaporto svizzero valido<\/strong> o <strong>Permesso di soggiorno B o C<\/strong><\/li>\n\n\n\n<li>Per il permesso di soggiorno B: <strong>almeno 12 mesi di residenza in Svizzera<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Ogni richiesta di prestito viene esaminata singolarmente. I nostri esperti in materia di prestiti ti consiglieranno personalmente su come aumentare le tue possibilit\u00e0 di approvazione.<\/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>Qual \u00e8 l'importo massimo che posso richiedere?<\/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>Su kredit.ch puoi ottenere un <strong>Prestito da CHF 1.000 a CHF 250.000<\/strong> per registrare.<br>L'importo del prestito possibile dipende da diversi fattori, tra cui:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il tuo reddito<\/li>\n\n\n\n<li>Il tuo punteggio di credito<\/li>\n\n\n\n<li>La tua situazione finanziaria generale<\/li>\n<\/ul>\n\n\n\n<p>Con il calcolatore di prestiti su kredit.ch puoi vedere subito quale rata mensile e quale durata del prestito sono adatte al tuo prestito. <strong>Prestito online<\/strong> sono realistici.<\/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>Posso estinguere un prestito esistente tramite kredit.ch?<\/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>S\u00ec. Con un <strong>ristrutturazione del debito<\/strong> \u00e8 possibile rifinanziare prestiti esistenti con un nuovo prestito che offre condizioni migliori. I vantaggi includono:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Costi di interesse pi\u00f9 bassi<\/li>\n\n\n\n<li>Pagamenti mensili pi\u00f9 bassi<\/li>\n\n\n\n<li>Maggiore chiarezza con un solo prestito<\/li>\n<\/ul>\n\n\n\n<p>kredit.ch confronta gratuitamente le migliori offerte per te. <strong>Ristrutturazione del debito in Svizzera<\/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>I pensionati possono chiedere un prestito?<\/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>S\u00ec anche <strong>I pensionati possono richiedere un prestito<\/strong>. Un prerequisito \u00e8 una pensione sicura o un reddito regolare che garantisca il rimborso.<br>I nostri consulenti valuteranno la tua situazione specifica e troveranno la soluzione pi\u00f9 adatta a te. <strong>Prestito personale Svizzera<\/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\/it\/kredit-beantragen\/\">Richiedi subito un prestito personale<\/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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