Swiss credit without proof of salary

Many consumers have no problems when they want to take out a loan from a bank. They have a good credit rating and therefore only have to consider what type of loan and the amount they want. But there are other consumers for whom such a situation is much more difficult.

They do not meet all the requirements for a loan and are therefore rejected when an inquiry is made. The banks distinguish between two aspects that provide information about creditworthiness. On the one hand, this is Credit Bureau’s query, which is intended to provide information on how the previous liabilities have been serviced. On the other hand, these are the proof of income, which should show exactly how high the monthly income is. Now there can and will be problems if there is no fixed or no income at all. Because then there is no credit either.

Swiss credit without proof of salary

Swiss credit without proof of salary

Consumers in such a situation usually turn abroad to get a loan there, since everyone knows that Credit Bureau cannot be queried here. Most of the time, and thus all hopes go to Switzerland. The Swiss are known for helping in difficult situations. But also with a Swiss loan without proof of salary?

Is there really that kind of loan?

Is there really that kind of loan?

Rather not. Because even if you get a lot of credit requests in Switzerland, there is no Swiss loan without proof of salary. No bank grants a loan without proof of monthly income. Neither in Germany nor in Switzerland. After all, some security must be given. Anyone who needs a loan despite all of this has to reschedule.

It might be worth asking for help from friends and family. Maybe there is a possibility that you can help each other here and someone can help out with some money. Or you can find a co-applicant who secures the loan with his salary. Everything else will not work and will only end in frustration and despair. Because without salary and a corresponding salary you will not get any financial support. Neither on site nor abroad. These are the rules and no lender will circumvent them.

Instant loan with guarantor

The economic situation in Germany currently looks very good. Even if the rest of Europe is shaken by the euro crisis, Germany can still look to a stable labor market. Nevertheless, there are many people in this country who suffer from poverty. There are still 3 million unemployed in Germany, and there are also many Hartz IV recipients.

It is logical that these people cannot afford everything, but it is threatening that things necessary for life are also not affordable. This includes, for example, a new heater or an urgently needed car. This is a real problem because these people are cut off from society one by one. Fortunately, nowadays there are ways in which these people can access everyday life, namely with an instant loan with a guarantor. How this banking business works is described in more detail below.

Loan guarantees – unfortunately not available

Loan guarantees - unfortunately not available

A credit check is usually carried out by the bank for each loan, this is to ensure that the applicant can pay off the monthly installments. Unfortunately, there are more and more people with financial difficulties who cannot rely on the urgently needed creditworthiness, especially during a credit check. Proof of income is such a typical security that banks require when performing a credit check. But other possessions such as shares or real estate are also potential collateral for credit institutions.

In the case of an instant loan with guarantors, however, these collateral are not available, so it is very difficult to grant the loan without outside help. Therefore, a guarantor must be consulted in the special case. In the case of a guarantor, the collateral is passed on to another person. The guarantor is a friend or acquaintance of the borrower and takes over the borrower’s position in the event of any payment difficulties. Specifically, this means that he has to vouch for the repayment of the installments. The conditions u. Framework conditions for an instant loan discussed with guarantors.

A loan as an opportunity

A loan as an opportunity

The maximum loan amount to be granted for an instant loan with a guarantor is around 100,000 dollars. The duration of the loan, i.e. the term over which monthly installments are to be paid, is between 6 and 60 months, as desired. The level of the interest rate is a decisive factor, it is worth comparing all offers well, because the rates fluctuate between 4 and 14 percent depending on the market situation and the bank. The amount of the monthly installment is derived from these aspects. So people without collateral also have the chance to satisfy their needs.

Swiss credit without credit rating

If the house bank refuses the loan and refers to the lower credit rating, it is still possible to obtain financing without any problems. The Swiss credit without credit rating is suitable for everyone and is not based on the financial background, but on the collateral actually offered and thus on the current situation.

Switzerland generally grants loans without Credit Bureau and is not based on the creditworthiness of the applicant. In the free financial market, a Swiss loan without creditworthiness can be sought directly via an independent financial intermediary and taken out online. In addition to the low interest rates and the flexible general conditions, the unbureaucratic processing and quick payment are also impressive.

Avoid high costs with a comparison

Avoid high costs with a comparison

Since even a Swiss loan without a credit rating should never be chosen thoughtlessly and unsuitably to your own needs and circumstances, it is advisable to exclude expensive offers with a free online comparison and to opt for a cheap and flexible loan. The applicant should also find out in advance about the possible collateral for the lender and then consider whether to secure his loan with real assets, capital-forming insurance or with a guarantee.

Even without your own property or capital-forming policies, there is nothing to prevent a Swiss loan without a credit rating. If a guarantor is named, he assumes liability if the actual borrower does not pay on time or in a sufficient amount. If the borrower fulfills his obligations, the guarantor has nothing to fear and will not be contacted by the lender. Friends, family, but also business partners can guarantee. Real assets can also be used here, or a guarantee can be chosen based on one’s own credit rating.

Fast payment for all wishes

Fast payment for all wishes

A Swiss loan with no credit rating is also an ideal decision for urgent requests, unforeseen invoices or urgent new purchases and repairs. The application is made informally online and is approved within 24 hours. The lender then sends a written contract for countersignature to the applicant. Once this has been signed by the lender, the amount is paid out and can be used immediately after the statutory waiting period of 7 days.

Since no creditworthiness has to be proven for this loan, the self-employed and unemployed can apply for a loan in Switzerland and secure the amount in an adequate amount. It is important that the hedge is sufficient in relation to the requested loan amount and is therefore available to the lender in the event of behavior contrary to the contract and can be used as consideration. The online loan from Switzerland is equally suitable for small and large wishes.