What income is taken into account for my loan?
Blog | Car Credit | Credit
At MultiCredit, your financial capacity is determined on the basis of regular, verifiable income. The more stable and well-documented your earnings, the greater the amount you can potentially borrow.
Income considered for your loan: salary, bonuses, incentives, secondary earnings, rental income… how it works at MultiCredit
1) Which income counts in your file?
| Category | Treatment | Required documents |
|---|---|---|
| Main salary | Net amount (after social deductions / withholding tax, where applicable) | Last 3 payslips, annual salary certificate, employment contract (workload, probation period) |
| Bonuses & gratuities (e.g. annual bonus, 13th-month salary) | – 100 % if contractual/guaranteed- Averaged over the last 12–24 months if variable (≈ 50–70 % depending on recurrence) | Payslip showing the bonus, salary certificate, HR confirmation |
| Secondary income (declared side activity, regular allowances, pensions) | Taken into account if stable and declared (social security / tax) | Secondary payslips, social-security statements, official attestations |
| Rental income | Net rent received (after expenses / co-ownership fees / insurance); any vacancy averaged out | Signed leases, bank statements showing rent inflow, tax return |
2) Verification: straightforward proofs, zero hassle
We verify income through:
- Payslips & salary certificate
- Employment contract / amendments (workload, permanent/fixed-term)
- Recent bank statements (salary / rent inflows)
- HR attestations (guaranteed bonus)
- Lease agreements, social-security extracts / tax attestations for secondary income
3) Borrowing capacity: what we base it on
We calculate your budget margin using:
- Regular net income (after smoothing variable elements)
- Recurring expenses: rent, health insurance, alimony, existing loans/leases, withholding tax, etc.
- Living-cost allowance (subsistence minimum / basic budget) adjusted to your family situation
Rule of thumb: the higher the share of recurring income (salaries + guaranteed bonuses + stable rent), the higher the possible loan amount—at equal term.
Illustrative, non-binding examples
- Single with CHF 3,000 net: you can submit a credit request (subject to expenses and personal situation).
- Salary CHF 8,000 / 12,000 net or annual income CHF 200,000: borrowing capacity assessed case by case based on your expenses (rent, other loans, car lease, etc.) and the truly recurring share of your bonus.
👉 Tell us about your annual salary, bonuses, secondary and rental income: we’ll give you a personalised estimate in minutes.
4) Employment status: all welcome
| Profile | What we consider |
|---|---|
| Civil servants / quasi-public staff | High stability (permanent contract, salary scale, 13th salary) |
| Executives & managers | Salaries + management income (bonuses, recurring dividends) averaged |
| Employees & workers | Monthly wages, team/shift bonuses if recurring |
| Self-employed / business owners (where applicable) | Extended analysis (balance sheets, tax assessments) |
5) Early repayment: your right
Received a bonus and wish to repay your personal loan early? You can. With early repayment you pay only the interest accrued up to the repayment date; unused time is subject to a fair reduction in interest (minor administrative fees may apply per contract). Tell us and we’ll provide a clear, transparent calculation.
6) And the Consumer Credit Act?
In Switzerland, the granting of consumer credit is governed by the Federal Consumer Credit Act (CCA). In practice:
- we must ensure the loan is affordable without over-indebtedness,
- you have the right to repay early,
- information provided (APR, total cost, term) must be transparent.
(This box is informative; exact conditions are in your contract.)
7) Fast-track checklist to speed up approval
- 3 recent payslips + salary certificate
- ID card / residence permit
- Employment contract (or amendment)
- Bank statements for the last 2–3 months (salary & rent inflows)
- For secondary income: social-security / tax attestations
- For rental income: leases + proof of receipt
In a nutshell
- Yes, we count salaries, bonuses, annual bonus, team incentives, secondary income and rental income when they are regular and verifiable.
- The more regular income you have, the greater your borrowing capacity.
- Single with CHF 3,000 net? You can apply.
- Bonus coming up? You may repay early and save interest on the unused period.
- High salary (CHF 8,000 / 12,000) or CHF 200,000 per year? We calculate your borrowing capacity tailor-made.
- Need a quick opinion? Send us your payslips and salary certificate—you’ll get a personalised simulation within 24 business hours.
An article by Munur Aslan, Director of MultiCredit.
