Private Loan for Household Staff: Become a Homeowner in Spain or Renovate Without Limits

Head housekeeper, butler, or private-estate manager? Your generous remuneration opens the door to a premium MultiCredit personal loan—perfect for purchasing a villa in Spain or modernising your residence, all on exclusive terms.

Why choose a premium personal loan?

• Higher limits: from CHF 50,000 up to CHF 400,000, depending on your capacity.
• Tailor-made rates: we negotiate the best possible interest rate for you.
• No collateral required: keep your investment portfolio intact.

Buying an exceptional property in Spain

1. Target prime areas: Marbella, Sotogrande, the Balearic Islands.
2. Plan for 12 % in acquisition costs (ITP/AJD, notary, land registry).
3. Currency hedge: the loan is contracted in CHF—no foreign-exchange risk.
4. Tax optimisation: deduct your interest at Swiss cantonal level.

High-end renovations and luxury extensions

With a top-tier salary, think big:

• High-efficiency energy upgrades (heat pump, smart home systems).
• Infinity pool, indoor spa, home cinema.
• Glass architectural extension or Andalusian patio.
• Workshops, garages for car collections.

Exclusive MultiCredit advantages

Eligibility criteria

• Net monthly income > CHF 10,000.
• Permanent or long-term contract with a private household/estate.
• Clean ZEK credit record.
• Post-loan debt ratio ≤ 33 % to preserve your saving capacity.

Three-step process

1. VIP simulation (30 s).
2. Secure upload: payslips, bonus proof, securities statements.
3. E-signature – funds available the next day.

Tips to maximise your strengths

• Highlight variable income (bonuses, overtime).
• Showcase job stability: letter of recommendation from the employing family.
• Provide a down payment—even 20 % lowers the rate.
• Keep your investments: a personal loan avoids liquidating high-performing assets.