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
Debt reduction: how does it work?
If you are facing financial problems, there are some companies offering debt reduction services. How does this solution work, and is it really efficient? Explanation.
What are the conditions to get a debt consolidation loan?
A debt consolidation is a solution – not always known – to group your different commitments. It allows you to pay one monthly bill instead of several, but also to lower installment payments. What are the conditions to get a debt consolidation loan? Explanation.
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.
Debit processing (LSV) or Direct Debit (DD): management of your payments!
Do you have difficulties to make your payments on time? Do you want to have a better organisation for the management of your bills? Do you know the debit processing (LSV) from the banks or the Direct Debit (DD) from PostFinance?
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?
Credit cards : over credit limit
The over credit limit is the maximum amount that you can use to pay with your credit card. When the credit limit is over, different penalty fees occur.
Financial intermediaries : online identification
Since 18 March 2016 FINMA allows to establish a business relationship between financial intermediaries and customers by video transmission. Explanations.
Indebtedness of Swiss consumers
Approximately 40 % of Swiss consumers are indebted. What are the causes of indebtedness in Switzerland? And how to way out of debts?
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.
Crowdfunding: alternative to commercial loan
The crowdfunding is an alternative system to commercial loan. That allows companies which are at the start-up stage or in phase of development to obtain funds outside the banking system.
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?
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