Since 1 August 2015, the combination of a half price rail card with a free Visa card doesn’t exist anymore. The holders of the old formula automatically received their new Swiss Pass with the new LibertyCard, a new Visa card. Is this a winning combination for users?
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 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?
Health insurance premiums can have an heavy impact on households expenses. The Federal Office of Public Health announced a premiums’ average increase of 4% in 2016. This rise can be different from a state to another, just like the consequences on your budget can vary a lot. Let us explain you in details how this growth can impact you, so you can decide if your coverage still suits your needs.
Each year, Swiss firms are signing new equipment leasing contracts and investments related to this market amount to billions of dollars. This funding solution gives companies the possibility to purchase various equipment and corporate vehicles, but also computer equipment! How does it work exactly and why is this financing alternative so successful?
When you make a credit request to a Swiss bank, their first concern, in general, is to know if you will be able to reimburse your loan or not. In other words, each bank will make sure to check your solvency tendency (if you are punctual and steady with your repayments?) before they grant you a credit. How do banks get all these information? Can you clear your credit history or make it better? Here is some useful piece of information:
You probably already heard about « debt consolidation », also known as credit repair in the US. How exactly does it work? A debt consolidation, consists in getting a consolidation loan from a bank, in order to pay off all your debts. Why is it convenient and what is the process for it? Let’s have a look.
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:
Many people make personal loans in Switzerland (more than 400’000 contracts in 2014), but credit repurchase is a less common financial solution. However, borrowers could benefit a lot more from this convenient and advantageous alternative. What is debt consolidation and how much can you save thanks to this solution? Let’s have a closer look:
Did you know that in Switzerland, one in three person lives in a household that has an ongoing credit? A lot of them use the internet in order to get their cash quickly. Making an online credit request has many advantages! Let’s have a look:
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.
Do you live in Montreux, Vevey, Lausanne or around the lake Geneva? Do you need some money to realise an important project? If you don’t know who to contact, we are here for you! Credit banks, brokers or self-employed on the credit market: this week we give you an overview of services available in Montreux.
For more information, consult our specialist or ask us for an offer!
