Real estate financing: loan or mortgage?
If a mortgage is the preferred solution to finance real estate, a loan can be a viable alternative in some rare cases. Which cases exactly, and how to choose between a mortgage or a loan? Explanation.
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The loan stories that deserves to be followed
Loan interest rate: who decides and how to get a better rate?
For a personal loan, who determines the rate applied? How to estimate the interest rate of you future credit, or to benefit from the best rate of the market? Our explanation.
How to pay the monthly repayments of your credit in case of unemployment?
Do you have a credit and now you’re unfortunately unemployed ? Is it difficult to repay the monthly charges of your loan ? How to manage this problem?
Bank credit : definition and advantages
Find in this article a clear definition and explanations of bank credit. If you are well-informed, you will be able to opt for the financing solution that meets your expectations.
Private loan : discover what’s new for 2016 !
Since 1st january 2016, two major changes have taken place in the field of private loan : longer extension of time before the revocation and strictly budget calculation. What are the consequences of these changes for the customers?
Personal loan and prepayment
As a personal loan holder, you may be asking “Can i pay more than the fixed monthly payment?”or “Can i partially or totally repay my loan?” Find the answers in our new article.
Is a credit card more expensive than a private credit?
As a consumer you have the choice between a personal loan or a credit card if you need a financial help. What are the costs for a credit card in comparsion with a private loan?
Debt capacity: explanations and hints
When someone wants to make a loan, many parameters are taken into account. The the borrowing capacity is one of them. To learn more about this important data, check our article!.
2016 : change in the maximum interest rate for consumer credit services
From July 2016, the maximum interest rate for consumer credit services in Switzerland will be lowered from 15% to 10%. What are the real consequences for consumers? Will they really be better protected with this new interest rate for consumer credit?
Private credit in Switzerland: a growing market
Private credit is becoming more and more common in Switzerland. In the past, people would associate loans with financial problems, but this myth was proven to be wrong! Nowadays, most consumers make a private credit to finance all kinds of personal projects! Where do they request credits and and what are the differences between the several offers on the market?
Consumer credit and couples: how does it work?
Banks are trying to get more and more information about their client’s financial situation before giving a credit. How does it work when you are married or if you live with someone? Why are your partner’s personal information also required on the credit’s request form? Is she or he also committed to the credit? Can you make one without your partner knowing? Let’s have a closer look:
Renovation credit: why should Swiss homeowners choose this type of loan?
In Switzerland, according to the Federal Office for Statistics, more than one out of three people is a houseowner, and this number is constantly increasing.
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