General

The credit requirements of foreigners with residence permits differ significantly from those of locals. We often hear the following question in this context: "I have just moved to Switzerland and need a loan. Do I have to observe a certain waiting period?" However, the credit banks are reluctant to answer this.

Are you an entrepreneur and would like to take out a loan for the self-employed? Although the order books are very well filled, company owners often have a hard time getting a loan from a bank. This is because they are reluctant to grant loan commitments if the desired collateral in the form of a permanent employment contract or regular monthly income is missing.

Would you like to apply for a loan in Switzerland soon and are now thinking about how much borrowed capital you can afford? Our advisors will be happy to support you if you want to calculate your maximum loan amount in a straightforward and simple way.

Those who were rather careless with their financial resources in December often find themselves in the January hole a month later. On the one hand, the bills usually pile up at the end of the year, on the other hand, high expenses during Christmas shopping lead to a precarious situation in the wallet.

The desire of all investors is it to be able to register at the end of the year a tidy net yield with the transacted financial investment depot. It is not decisive whether the investment is built up and managed by the investor himself or whether an expert is in charge of it. It is only important that the invested funds do not lose value, but increase in an attractive framework.

More and more consumers are becoming interested in securities trading. However, they are not doing this of their own free will. Rather, they are looking for alternatives that yield a higher return as an investment than traditional models such as fixed-term deposits or overnight money.

More and more active people are becoming enthusiastic about the benefits of a pedelec or mountain bike. Especially hilly, shorter routes are child's play to master with their help. In this way, they not only protect the environment, but also do something for their fitness and health. In particular, inexperienced cyclists can travel quickly with an electric bike and a long-lasting battery without any major effort, so that they no longer have to miss out on interesting day trips in convivial company.

Do you also associate a bike with the feeling of adventure and freedom? Especially in the warm summer months, it attracts numerous motorcyclists for extended stages or fast-paced joyrides on the roads. Those who want to fulfil their dream of owning their own machine often have to have a considerable amount of money ready for this. After all, the purchase costs are often comparable to those of a small car. However, immediately before the two-wheeler season, the necessary cash is often lacking. In this case, a loan for the motorcycle can help you. This way, you don't have to save up the necessary purchase price and possibly forego a large part of the motorcycle season.

Since 2004, the company has been one of the largest financial service providers in Switzerland, focusing on comprehensive credit financing solutions for self-employed individuals and private persons. The credit platform bestfinance.ch cooperates with all major credit banks and financial institutions. Thus, it is made easy for private credit seekers with a good credit rating to decide on a favorable and suitable bank loan.

Do you also enviously watch the sailing ships and yachts during your holidays at the sea, how they glide elegantly and silently over the calm water? Many a wish is unfortunately very cost-intensive. Often it has to give way to reality. The ever-growing family needs a new home of its own, the racy sports car has to give way to a practical family vehicle, and without further training that you have to pay for yourself, you can't climb the career ladder any higher. The big dream of owning your own boat then quickly becomes a thing of the past.

The reasons why consumers apply for a personal loan are very different: Some want to finance their new car, others get into financial difficulties due to an expensive new acquisition. If the application submitted to the house bank then ends in a loan rejection, the horror is great.

In the bestfinance.ch forum, you can discuss financial and credit topics free of charge. Discuss with forum users or get advice from our credit experts.

Here, the cheapest provider is not always the best. Anyone who relies solely on the conditions shown on comparison portals on the Internet is making a mistake.

The advantages of a loan online are obvious: the loan can be applied for immediately. Afterwards, we always find the best possible loan offer with the most favourable interest rates for the borrower. This usually happens very quickly. At the reputable credit brokerage you enjoy comprehensive advice on request. Depending on your financial situation, we recommend a personal meeting.

Interest rates on consumer loans may no longer be higher than 10% from mid-2016. However, this only applies to new loans!

Have you taken out a personal loan and now think you are paying too much for the agreed interest? Are you looking for a credit check but have not been able to find professional and competent credit advice?

We treat your trust with care and with state-of-the-art technology. You can be sure that the personal information entrusted to bestfinance.ch will not fall into the hands of unauthorized persons.

With an instalment loan, you receive the agreed amount paid into your account and can dispose of it freely. With a credit card you can make cashless payments in a large number of countries, shop in stores and online shops and withdraw cash from thousands of ATMs.

Information leaflet of the Association of Swiss. Credit Banks and Financial Institutions (VSKF) on responsible lending and possible risks in the event of strokes of fate of the
Borrower

Bern, 11.12.2015 - The Federal Council decided on Friday to adjust the calculation mechanism for the maximum interest rate on consumer loans as of 1 July 2016 and to review the interest rate regularly in future.