From a credit without credit rating from Switzerland is usually then when the borrower has a negative private credit entry. Although the private credit entry does not play a role in this loan, it nevertheless has to have certain collateral if the borrower wants to receive money in this way. If these conditions are met, the loan will be approved within a few hours.
The conditions for a credit without credit rating from Switzerland
As already mentioned, such a loan only makes sense if the borrower has a negative private credit entry and was therefore rejected by a normal bank. The security these banks demand from Switzerland is a regular income. If you do not have it, you will not get any credit from Switzerland. Even if it sounds tempting at first sight, only a part of those interested in credit can resort to this possibility. The workplace must be permanent.
Anyone who only has a temporary contract is also out of the question for a loan without creditworthiness from Switzerland. It is also important that the employee has already had this job for one year and no dismissal is imminent. Another criterion is the minimum income. This may not be less than 1130 euros for single people. If all of these requirements can be met, the amount of the loan is normally € 3500, which must be repaid in 40 monthly installments.
Another downside is that the cost of a credit without credit rating from Switzerland are higher. Credit institutions can of course pay for the higher risk this way. Here, of course, the question arises whether there are not other ways to get a credit without credit rating.
Even German banks forgive a loan without private credit
As the credit without creditworthiness from Switzerland imposed on the borrower quite tie up, of course, the question arises, if there are not other options. Basically, domestic banks will always make a check on private credit. When the interested party signs an application, he also gives his consent to a private credit inquiry. This does not even delay the payment of a loan, because that happens online and the result is within a few minutes. If there are no problems, then the customer does not even get it. If the result is then, then the bank clerk decides what to do.
Often, such a loan is simply rejected, but it does not necessarily have to be. If anyone knows that there will be problems, he can explain the situation to the case officer, and if he can make it plausible that he is solvent and willing to pay, then the institution may approve a loan application. Of course, there is no guarantee for that. A short search on the Internet can clarify in advance, which banks are more willing to and which a private credit see very closely. If you ask the internet before, you can often save a long search.
If all else fails, it often helps to put a guarantor. This must guarantee the repayment of the loan and if the debtor should have payment difficulties, then the guarantor must step in. Of course, it is imperative that the guarantor has a very good credit rating. Nevertheless, it may happen that the bank refuses the guarantor. This often happens when the guarantor and the borrower are too closely related.
Take a loan from a guarantor
If a credit without creditworthiness from Switzerland is not possible or due to the small loan amount does not make sense, then a personal loan can help. The possibility to borrow money from a friend, friend or relative is available as long as there is a means of payment. But even with this way, it makes sense, if both previously set up a contract. Often only very low interest rates are due. Not always is a good friend handy, but there is the internet. There, borrowers and lenders meet on specific portals.
Here everyone can get a loan, even without the private credit too much comes into play. Of course, the issues of creditworthiness and collateral also play a role here and only the one who has a good chance of getting a loan, who to play with open cards. Who denies the problem with the private credit in the past, who will hardly get a loan, because a short demand at the private credit brings the problems immediately to light. The bigger chances are to speak openly and honestly about the problems.