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How to get a loan with a legitimation card?

Blog | Credit

What are the requirements for your application?

Personal loans are regulated in Switzerland. Foreigners cannot always take out a loan, depending on the type of residence permit they hold.

However, the legitimation card allows its holder to take out a loan under the same conditions as the holder of a C permit. Thus, the basic requirements for a loan are as follows:

  • Possess a B permit for 6 months.
  • Possess a legitimation card for at least 3 months.
  • Do not have any prosecution or insolvency in Switzerland.
  • Do not have bad credit history towards the ZEK.

What is a legitimation card?

The legitimation card is a document issued to employees of a consulate, embassies, and NGOs. The legitimation card issued by the FDFA serves as a residence permit for Switzerland. The holder benefits from all the privileges and immunities associated with it.

Furthermore, the card exempts him/her from any visa requirement for the duration of the function. Indeed, it is a substitute for the Swiss work permit.

What are the different types of legitimation cards?

Here are the main legitimation cards:

  • B-type.
  • C-type.
  • D-type.
  • E-type.
  • G-type.
  • H-type.
  • K-type.

These different types of cards establish the function of the holder: ambassador, an employee of a diplomatic corps, a worker of an NGO, or a family member of the main holder.

Regardless of the type of legitimation card, this document allows the holder to borrow money through a loan granted by banks or financial companies.

How to apply for a loan?

At MultiCredit, it is possible to borrow up to CHF 400,000, with a repayment term of 12 to 84 months. If you hold this type of card and are looking for a loan, the easiest way is to contact us online.

What you will receive?

  • Fast, simple, and discreet treatment
  • Free application
  • Low rates
  • No administrative complications
  • Flexible payment options

You can apply online and find your loan options in as little as 5 minutes and you could be approved in less than 24 hours.

This article was written by Münür Aslan, director of MultiCredit.

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