To apply for a loan, all that is needed is a fully completed application. After the loan has been approved by a bank, together with the loan agreement * a copy of your ID card * copies of the last 3 pay slips. The bank reserves the right to request additional documents.
Anyone who has a Swiss passport or a foreigner ID of category B, C, L and G can apply for a personal loan. The age of the applicant must be between 18 and 70 years. Regardless of the professional situation, the applicant must have a monthly income of at least CHF 3,000.
MS Finanz provides loans from CHF 3,000 to CHF 250,000
Basically, this is not a problem if your budget allows it. You can replace or increase your previous loan with lower interest rates – we will be happy to advise you on your options.
The conclusion and the maximum loan amount are decided by the respective credit bank that offers the loan.
If you have ongoing debt enforcement and / or seizures, we cannot apply for a loan for you. You must settle the outstanding claims as quickly as possible and have them deleted from your debt enforcement statement by the creditor. Then a loan can be applied for
ZEK means “Central Office for Credit Information”. It is registered there if you have not paid a loan regularly and properly. If you have a negative ZEK code, the bank will not grant you a loan.
Yes you can. However, you must also meet the following conditions: L permit: You must be in Switzerland for at least 3 years / G permit: You must be in Switzerland for at least 3 years, of which you must have worked for the same employer for at least 2 years.
Based on the information you provide in the application form, the bank will calculate a budget for you, which your loan will be matched to. The effective annual interest rate from 7.9% results from your credit rating. Of course, we will get various offers and make you the cheapest offer.
No. You do not need to tell anyone why you are applying for a loan. This is your decision and is of no interest to us or the lending bank.
Your professional situation plays an important role in determining the duration. The duration of your loan is determined depending on whether you are self-employed, temporary, permanent or an IV / AHV pensioner.
To do this, the last monthly installment must be paid before the age of 70. So the term also depends on your age.
Of course no. We and the banks are subject to banking secrecy. This means that your request will be processed with full discretion.