{"id":30531,"date":"2024-12-06T19:28:21","date_gmt":"2024-12-06T19:28:21","guid":{"rendered":"https:\/\/multicredit.ch\/credit\/simulateur\/"},"modified":"2026-03-10T13:00:38","modified_gmt":"2026-03-10T13:00:38","slug":"simulateur","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/simulateur\/","title":{"rendered":"Credit simulator"},"content":{"rendered":"<section class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]<iframe style=\"margin: 0; padding: 0; border: none;\" src=\"https:\/\/audioblog.arteradio.com\/embed\/241873\" width=\"100%\"><\/iframe>[\/vc_column_text][vc_empty_space height=&#8221;80px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Credit_simulator_in_Switzerland\"><\/span>Credit simulator in Switzerland<\/H2><\/p>\n<h4>A loan with no administrative hassle. Fast, simple and discreet <\/h4>\n<\/div>\n<p>[vc_column_text css_animation=&#8221;fadeIn&#8221;]At <strong>MultiCredit<\/strong>, we understand that choosing a loan is an important step in realizing your projects. That&#8217;s why we&#8217;ve designed a <strong>simple, effective online credit simulator<\/strong> that lets you estimate your monthly payments and the total cost of your loan in just a few clicks. At MultiCredit, simplicity and transparency are at the heart of our commitment.  <\/p>\n<hr>\n<h3><span class=\"ez-toc-section\" id=\"Why_use_the_MultiCredit_credit_simulator\"><\/span><strong>Why use the MultiCredit credit simulator?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Quick and easy estimate:<\/strong> Simply enter your desired amount and repayment term, and you&#8217;ll receive a precise simulation of your monthly payments.<\/li>\n<li><strong>Taking real costs into account:<\/strong> Our simulator includes the <strong>Annual Percentage Rate (APR)<\/strong>, to give you a complete, realistic estimate.<\/li>\n<li><strong>Customize:<\/strong> Adjust the settings to view different options for <a href=\"https:\/\/multicredit.ch\/en\/credit-application\/\">applying for credit<\/a> and find the solution that best suits your budget.<\/li>\n<\/ul>\n<p style=\"text-align: center;\">Decision in principle within <strong>24 to 48 hours<\/strong>, thanks to our experience in the market since 1999.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;11651&#8243; img_size=&#8221;large&#8221; css_animation=&#8221;fadeIn&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;50px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;11666&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Thousands_of_loans_obtained_for_our_customers_in_Switzerland\"><\/span>Thousands of loans obtained for our customers in Switzerland<\/H2><\/div>\n<p>[vc_column_text css_animation=&#8221;fadeIn&#8221;]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"MultiCredit_More_than_a_simulator_personalized_support\"><\/span><strong>MultiCredit : More than a simulator, personalized support<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>With <strong>years of experience<\/strong>, MultiCredit has established itself as a leading expert in helping private individuals in Switzerland with their credit needs. We know that every situation is unique, and our simulator is designed to be your first step towards a tailor-made solution. <\/p>\n<h4><strong>Our expertise at your service:<\/strong><\/h4>\n<ol>\n<li><strong>Attentive listening:<\/strong><br \/>\nWe place your needs at the heart of our approach. After your simulation, our advisors analyze your profile to propose a perfectly adapted offer. <\/li>\n<li><strong>Flexible solutions:<\/strong><br \/>\nWe work with a wide network of partners to offer you loans ranging from <strong>CHF 3,000 to CHF 400,000<\/strong>, with repayment terms to suit your needs.<\/li>\n<li><strong>Total transparency:<\/strong><br \/>\nWe explain financial terms such as <strong>nominal<\/strong> and <strong>effective rates<\/strong> in detail, so you can fully understand the cost of your credit.<\/li>\n<li><strong>A turnkey service:<\/strong><br \/>\nFrom the initial simulation to obtaining credit, we&#8217;re with you every step of the way, guaranteeing a simple, fast and stress-free process.<\/li>\n<li>We can also help you find a <a href=\"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/credit-card\/\">credit card solution<\/a><\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;50px&#8221;]<\/p>\n<div class=\"blocktitle title-left title-dark\" clearfix\"><H3><span class=\"ez-toc-section\" id=\"Advantageous_financing\"><\/span>Advantageous financing<\/H3><\/div>\n<p>[vc_column_text css_animation=&#8221;fadeIn&#8221;]Obtaining a private credit can be an excellent solution for financing a project, whether it&#8217;s a major purchase, a cash-flow requirement or debt consolidation. However, it is essential to <strong>proceed in a secure manner<\/strong> to avoid any risk of over-indebtedness and benefit from the best financial conditions. <\/p>\n<p>With <strong>MultiCredit<\/strong>, you have access to transparent financing solutions tailored to your situation, negotiated at <a href=\"https:\/\/multicredit.ch\/fr\/credit-prive-au-meilleur-taux\/\">the best rates<\/a> on the market. Discover <strong>the essential steps<\/strong> to securing your credit application while optimizing your chances of obtaining it. <\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Analyse_Your_Borrowing_Capacity_Before_Applying\"><\/span><strong>Analyse Your Borrowing Capacity Before Applying<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before submitting a credit application, it&#8217;s essential to <strong>check your financial situation<\/strong> to avoid a commitment that could weaken your personal finances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Calculate_your_debt_ratio\"><\/span><strong>Calculate your debt ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In Switzerland, banks apply a strict rule: <strong>your debt ratio must not exceed 33% of your net income<\/strong>. This means that <strong>the total of your monthly expenses, including the credit you are applying for, must not exceed one-third of your income<\/strong>. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Determining_the_ideal_monthly_payment\"><\/span><strong>Determining the ideal monthly payment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The amount of your future monthly payment must be <strong>adapted to your budget<\/strong> to guarantee comfortable repayment.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: Use our <strong>online simulator<\/strong> to quickly calculate <strong>the optimum amount<\/strong> you can borrow and the corresponding monthly payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Check_your_financial_commitments\"><\/span><strong>Check your financial commitments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you already have several outstanding loans, it may be a good idea to <strong>reduce your debt before applying for a new one<\/strong>. One effective solution is to <strong>buy back credit<\/strong>, which enables you to <strong>combine several loans into a single loan<\/strong> with a lower monthly payment and a more attractive interest rate. <\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Compare_Offers_to_Get_the_Best_Credit\"><\/span><strong>Compare Offers to Get the Best Credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Each bank applies different conditions in terms of <strong>interest rate, repayment period and creditworthiness requirements<\/strong>. Making the right choice is <strong>essential to securing your credit<\/strong> and avoiding unnecessary costs. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_The_different_types_of_credit_offered_by_MultiCredit\"><\/span>\ud83d\udccc <strong>The different types of credit offered by MultiCredit :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u2714 <strong>Cr\u00e9dit priv\u00e9<\/strong>: a flexible personal loan to finance your projects.<br \/>\n\u2714 <strong>Mortgage loan<\/strong>: a financing solution for the purchase of real estate.<br \/>\n\u2714 <strong>Auto credit<\/strong>: a loan specifically designed to finance a vehicle.<br \/>\n\u2714 <strong>Rachat de cr\u00e9dit<\/strong>: an option for <strong>reducing your monthly payments and simplifying your financial management<\/strong>.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We analyze <strong>several bank offers simultaneously<\/strong>, to offer you <strong>the most advantageous and secure solution<\/strong>.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Preparing_a_Complete_and_Reliable_File\"><\/span><strong>Preparing a Complete and Reliable File<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A well-prepared application speeds up the processing of your request and maximizes your chances of obtaining a <strong>rapid agreement with advantageous conditions<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_Documents_required_for_a_secure_credit_application\"><\/span>\ud83d\udccc <strong>Documents required for a secure credit application :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u2714 <strong>Valid ID<\/strong> (ID card, passport or B\/C residence permit for foreigners).<br \/>\n\u2714 S <strong>alary slips for the last 3 months<\/strong> to justify your income.<br \/>\n\u2714 <strong>Last tax return<\/strong>, essential to prove your solvency.<br \/>\n\u2714 <strong>Recent bank statements<\/strong>, attesting to your financial management.<br \/>\n\u2714 <strong>Extract from the debt collection register<\/strong>, to show that you have no history of unpaid debts.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit Tip<\/strong>: We&#8217;ll help you <strong>put together your file<\/strong> and make sure it&#8217;s <strong>complete and optimized<\/strong> to avoid any delays in processing your application.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Use_a_broker_for_a_100_secure_application\"><\/span><strong>Use a broker for a 100% secure application<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Applying for credit directly from a bank can be <strong>complex and time-consuming<\/strong>. What&#8217;s more, multiple applications can have a negative impact on your <strong>credit score<\/strong>. <\/p>\n<p>That&#8217;s why <strong>using a broker like MultiCredit<\/strong> allows you to :<\/p>\n<p>\u2714 <strong>Access the best offers without affecting your credit rating.<\/strong><br \/>\n\u2714 <strong>Maximize your chances of acceptance with expert file assembly.<\/strong><br \/>\n\u2714 <strong>Avoid mistakes that could delay or compromise your application.<\/strong><\/p>\n<p>\ud83d\udca1 <strong>Why choose MultiCredit?<\/strong><\/p>\n<ul>\n<li><strong>100% free, no-obligation service<\/strong>.<\/li>\n<li><strong>No advance fees<\/strong>: you only pay if credit is granted.<\/li>\n<li><strong>Total transparency<\/strong> on credit terms.<\/li>\n<li><strong>Rates negotiated<\/strong> with several banks to guarantee you the best terms.<\/li>\n<\/ul>\n<p>\ud83d\udccc <strong>MultiCredit tip<\/strong>: Unlike traditional banks, we <strong>study your situation in its entirety<\/strong> and propose <strong>the most suitable and secure solution<\/strong>.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Check_the_Regulations_and_Avoid_Scams\"><\/span><strong>Check the Regulations and Avoid Scams<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The credit market can be <strong>risky<\/strong>. Some overly attractive offers may conceal <strong>abusive fees or disadvantageous conditions<\/strong>. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Absolutely_avoid_for_a_secure_credit_application\"><\/span>\u274c <strong>Absolutely avoid for a secure credit application:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Offers without credit checks<\/strong> (often scams).<\/li>\n<li><strong>Organizations charging upfront fees to secure a loan<\/strong>.<\/li>\n<li><strong>Loans with abnormally low interest rates<\/strong> without explanation.<\/li>\n<\/ul>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We only work with <strong>Swiss banks that are recognized and approved by FINMA<\/strong>, guaranteeing <strong>total security<\/strong> for your credit.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Finalize_the_Application_and_Accept_Credit_in_Complete_Security\"><\/span><strong>Finalize the Application and Accept Credit in Complete Security<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once your request has been validated, MultiCredit will propose the <strong>most advantageous<\/strong> offer and accompany you until the contract is finalized.<\/p>\n<p>\u2714 <strong>Reread your contract carefully before signing.<\/strong><br \/>\n\u2714 <strong>Make sure the amount, term and rate are in line with your expectations.<\/strong><br \/>\n\u2714 <strong>Check the APR (Annual Percentage Rate) to find out the total cost of credit.<\/strong><\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: If you have the slightest doubt, we&#8217;ll <strong>advise you before signing<\/strong> to guarantee a <strong>transparent<\/strong> commitment.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Why_choose_MultiCredit_for_secure_credit\"><\/span><strong>Why choose MultiCredit for secure credit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"The_advantages_of_MultiCredit\"><\/span><strong>The advantages of MultiCredit :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ud83d\udd39 F <strong>ree, no-obligation comparison of<\/strong> the best offers.<br \/>\n\ud83d\udd39 <strong>Personalized support<\/strong> to maximize your chances of success.<br \/>\n\ud83d\udd39  <strong>100% secure service, with no hidden fees or upfront commitments.<\/strong><br \/>\n\ud83d\udd39  <strong>Access to preferential rates thanks to our banking partnerships.<\/strong><\/p>\n<p><strong>\ud83d\udca1 Do you have a project and want reliable, secure credit?<\/strong><\/p>\n<p><strong>Apply online in just a few minutes<\/strong> and get a fast response with <strong>MultiCredit<\/strong>.<\/p>\n<p>\ud83d\udcde <strong>Need advice?<\/strong> Contact our experts for a <strong>free analysis of your situation<\/strong> and a solution tailored to your needs! \ud83d\ude80<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_the_MultiCredit_credit_simulator_work\"><\/span><strong>How does the MultiCredit credit simulator work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>Enter your project amount:<\/strong> For example, <strong>CHF 15,000<\/strong>.<\/li>\n<li><strong>Choose the desired repayment term:<\/strong> For example, <strong>48 months<\/strong>.<\/li>\n<li><strong>Get a detailed simulation:<\/strong> immediately see your monthly payments and total cost, including APR.<\/li>\n<\/ol>\n<p>Our simulator is designed to give you a clear picture of your financing options, while allowing you to compare different terms and amounts.<\/p>\n<hr>\n<h3><span class=\"ez-toc-section\" id=\"Why_choose_MultiCredit\"><\/span><strong>Why choose MultiCredit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>A human, expert approach:<\/strong> Our experienced advisors take the time to understand your expectations and financial constraints.<\/li>\n<li><strong>Competitive rates:<\/strong> We negotiate with our partners to offer you advantageous conditions tailored to your situation.<\/li>\n<li><strong>A simplified process:<\/strong> We make sure that obtaining your credit is fast, smooth and without surprises.<\/li>\n<\/ul>\n<hr>\n<h3><span class=\"ez-toc-section\" id=\"Realize_your_projects_with_complete_peace_of_mind\"><\/span><strong>Realize your projects with complete peace of mind!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The MultiCredit credit simulator is the first step towards making your dreams come true. Use our tool now to get a clear idea of your monthly payments, and contact our advisors for a personalized offer. With <strong>MultiCredit<\/strong>, you benefit from tailor-made support, recognized expertise and attentive listening at every stage of your <a href=\"https:\/\/multicredit.ch\/en\/\">credit<\/a>.  <\/p>\n<p><strong>Simulate your credit today and move forward with confidence with MultiCredit!<\/strong>[\/vc_column_text][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text][\/vc_column_text][vc_empty_space height=&#8221;80px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text css_animation=&#8221;fadeIn&#8221;]At MultiCredit, we understand that choosing a loan is an important step in realizing your projects. That&#8217;s why we&#8217;ve designed a simple, effective online credit simulator that lets you estimate your monthly payments and the total cost of your loan in just a few clicks. At MultiCredit, simplicity and transparency are at [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":11522,"parent":12350,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[763],"class_list":["post-30531","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-independant-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=30531"}],"version-history":[{"count":3,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30531\/revisions"}],"predecessor-version":[{"id":30534,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30531\/revisions\/30534"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/12350"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11522"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=30531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}