Credit for foreigners in Switzerland

How MultiCredit Simplifies and Optimizes Loan Requests for Foreigners in Switzerland

At MultiCredit, we recognize that accessing financing can pose unique challenges for foreigners—whether you’re funding a personal project, a real-estate investment, or addressing other financial needs. That’s why we’ve developed tailored solutions that account for the various residency statuses and documentation requirements of our international clients. Here’s how MultiCredit makes the process seamless and advantageous:

1. Tailored Credit Solutions for Foreigners

Adapted to Every Residency Status

• Residents and Non-Residents
  Whether you live in Switzerland or abroad, MultiCredit offers loan products designed to meet your situation.
• All Types of Permits and Visas
  From temporary residence permits to long-stay visas—our teams are versed in every permit type and adjust terms accordingly.

Specific Guarantees and Conditions

• Additional Collateral Options
  Depending on your profile, you may strengthen your application with extra guarantees (e.g., higher personal contribution or third-party guarantees).
• Personalized Risk Assessment
  We thoroughly analyze your financial profile—reviewing your residence permit, employment contract, and bank history—to propose safe, customized financing terms.

2. Building a Complete, Compliant File

Essential Documents and Information

• ID and Residency Papers
  Provide copies of your passport and proof of immigration status (permit, visa, etc.) to confirm your legal standing and address.
• Proof of Income
  Submit bank statements, payslips, or income certificates—whether from Switzerland or your home country—to demonstrate repayment capacity.
• Project Details
  Clearly describe your loan purpose (property purchase, vehicle financing, personal venture), specifying the amount and desired term.

3. Using the MultiCredit Simulation Tool

Secure, Online Scenario Planning

• Easy Access & Step-by-Step Guidance
  Visit our website and launch the simulation tool designed for foreign applicants. The intuitive interface walks you through each data entry.
• Interactive Scenario Comparison
  Adjust loan amount, term, and personal down-payment to instantly see how your monthly installments and total cost vary.

4. Personalized Support & Optimization

Expert Advice Every Step of the Way

• Post-Simulation Review
  After your simulation, a MultiCredit advisor will contact you to discuss results and recommend improvements—such as adding supporting documents or tweaking your down-payment.
• One-on-One Consultation
  Schedule an in-branch or online meeting to dive deeper into your specific foreign-applicant needs and finalize the best possible offer.

5. From Simulation to Disbursement

Turning Estimates into a Concrete Offer

• Transparent, Customized Proposal
  Once your file is optimized, we’ll present a detailed offer outlining loan amount, interest rate, term, and fund-release schedule.
• Signing & Ongoing Monitoring
  Upon acceptance and signature, funds are released. We continue to support you throughout repayment, keeping your file up to date and ready for any future adjustments.

Key Takeaway Before You Apply
MultiCredit’s foreign-applicant solutions tackle the specific hurdles of various residency statuses and documentation demands. By preparing a complete file, leveraging our online simulation, and receiving dedicated expert guidance, you’ll maximize your chances of securing favorable loan conditions and bringing your personal or professional projects to life—no matter where you come from.

An article by Munur Aslan, Director of MultiCredit