The loan seekers who no longer receive normal loans from Cream banks due to a negative Credit bureau are looking for a way out of the Swiss loan for everyone. The Swiss loan for everyone has a special feature that is based on the fact that it can be provided not only for employees but also for the self-employed, the unemployed, housewives or trainees.
Credit without Credit bureau
No bank in Germany, regardless of whether it is a branch or a direct bank, is granted a loan without Credit bureau query. Foreign banks score here with the loan without Credit bureau model, which is not identical to the Swiss loan for everyone. Most banks only grant loans after checking the creditworthiness of the customer, i.e. if a secure income can be proven that comes from a steady job. Pensioners can also take advantage of these loans up to the age of 75. A Swiss loan for
Everyone gets not only employees, but also the self-employed, housewives, students or trainees. Since this loan processing is often difficult, it is advisable to commission a loan broker. This can not guarantee that Swiss credit will work for everyone, although many of these credit intermediaries have many years of experience in this business area and have numerous connections to domestic and foreign lenders, and here in particular to Swiss banks.
The credit rating has to be right
There are many reasons for a loan refusal, but most are based on insufficient creditworthiness. With a Swiss loan in particular, where the sufficiently high income is necessary as credit protection, the creditworthiness is important. If the income is not sufficient because the applicant is only a low-income earner, the loan is usually rejected. But loan seekers with creditworthiness problems still get a loan if they include a co-applicant in the loan agreement.
This means a person who acts as a borrower. With this person, a fixed income and good creditworthiness are crucial. Since a Swiss loan can have an interest level in the double-digit range, a loan comparison should be carried out. The cheapest offer can be filtered out with a loan calculator.
A borrower should make sure that the installments match their monthly income. If they are too high, it can happen that payment defaults occur. Every loan is provided with monthly installments, how high these depend on various aspects, whereby not only the loan amount, but also the borrowing rate and the term play a role.