{"id":11748,"date":"2018-12-06T09:25:50","date_gmt":"2018-12-06T08:25:50","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=11748"},"modified":"2021-03-15T14:20:22","modified_gmt":"2021-03-15T13:20:22","slug":"where-can-i-get-the-cheapest-loan","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/en\/wo-erhalte-ich-den-guenstigsten-kredit\/","title":{"rendered":"Where can I get the cheapest loan?"},"content":{"rendered":"

Many banks and financial institutions advertise low interest rates. Most often, consumers receive an expensive offer when they apply for a loan.
\nDue to the constantly changing prices and laws, it is practically impossible for a consumer to get an overview independently. What many do not know is that the salary no longer plays a major role in the loan offer, but the entire creditworthiness is evaluated.
\nThe interest rate alone does not make the offer either, because there are loan providers who offer good interest rates, but the service is not right and the customer even Hotline
\nplus waiting time will be charged.<\/p>\n

To achieve a good credit rating with the banks is certainly the first step to the
\nmost favorable credit offer.<\/p>\n

The following points are considered during a credit check:<\/p>\n

- Duration of stay Switzerland
\n- Type of income: Permanent, Temporary, Hourly,\u00a0Self-employed<\/a>, pensioner
\n- employment duration
\n- pay
\n- Tenant or owner
\n- budget
\n- Information on debt collection<\/a>
\n- ZEK Information<\/a>: Payment history of older or existing loans
\n- Number of rejected and open credit applications<\/a>
\n
\nAvoid rejections<\/strong><\/p>\n

As listed, rejected credit inquiries can worsen credit ratings and, in the worst case, may even result in the rejection of the credit application.
\nThe prerequisite criteria for granting a loan differ among companies. The banks adhere strictly to their regulations. It is therefore counterproductive to submit a credit application to a bank where the requirements are not met. The banks do not openly communicate which prerequisites must be met for a credit application.
\nTherefore, to get the most favorable loan, it is best to consult a loan expert because they are familiar with the credit scores of banks and are always up to date in the loan market.<\/p>\n

About our Credit application<\/a> you can benefit from a free consultation with a<\/p>\n

Credit experts<\/a> benefit. Credit counseling is also worthwhile for an existing loan, as a Loan redemption<\/a> is possible at any time.<\/p>\n

foreign loans<\/strong><\/p>\n

In Switzerland, a loan with a foreign domicile is
\nonly possible if you have a G residence permit and have been resident in the country for at least
\nhas been working in Switzerland for an uninterrupted period of three years.
\nFor a serious credit offer, we therefore recommend to turn only to domestic providers. For citizens from Germany, a Extensive credit comparison<\/a> offered by Smava.de. The offers are up to date and you can easily find the best loan offer.<\/p>","protected":false},"excerpt":{"rendered":"

The Swiss loan market is crowded these days and there are more offers than ever. Finding the best loan offer is therefore certainly not easy. <\/p>","protected":false},"author":2,"featured_media":9753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Wo erhalte ich den g\u00fcnstigsten Kredit?","_seopress_titles_desc":"Der Schweizer Kreditmarkt ist heutzutage \u00fcberf\u00fcllt und es gibt mehr Angebote denn je. Das g\u00fcnstigste Kreditangebot zu finden ist daher sicher nicht leicht.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/posts\/11748","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/comments?post=11748"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/posts\/11748\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/media\/9753"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/media?parent=11748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/categories?post=11748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/en\/wp-json\/wp\/v2\/tags?post=11748"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}