蜜豆视频

Loans can be approved for people who meet the following criteria:

• Permanently resident in Switzerland.
• Has Swiss citizenship or a permanent residence card (B, C).
• At least 20 years old when the loan agreement is concluded and not older than 70 years at the end of the term.
• Has a regular income and adequate budget surplus.
• Has no more than one debt enforcement on record.
• Is in a position financially to repay the loan.

If you own your own home, you benefit from lower interest rates: You have been the sole owner or co-owner of a property in Switzerland for at least six months (entry in the land register).

• The credit amount will be paid directly into your account immediately after the statutory waiting period of 14 days.

• You can increase your existing loan at any time during the term of the agreement. The existing credit agreement is redeemed and replaced by a new credit agreement. The relevant conditions (positive credit check in terms of the affordability of the loan) must be met for the loan to be increased.

• You can defer your monthly payment free of charge twice during the contract term. The contract term and repayment period are extended without additional interest costs. Please note that our online special offers do not include a repayment holiday.

• The effective interest rate is calculated based on creditworthiness and shared with the borrower after the application is reviewed. Creditworthiness describes the ability of a person to repay the debt they take on. A leasing or credit client's creditworthiness indicates the likelihood that the client will be able to make the required repayments. Solvency is assessed within the scope of the Swiss Consumer Credit Act (CCA). In addition to solvency, the check also covers creditworthiness, which serves to assess whether the client is trustworthy based on their credit history.