{"id":30579,"date":"2024-11-07T13:11:12","date_gmt":"2024-11-07T13:11:12","guid":{"rendered":"https:\/\/multicredit.ch\/offre-credit\/"},"modified":"2026-03-10T14:37:40","modified_gmt":"2026-03-10T14:37:40","slug":"offre-credit","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/","title":{"rendered":"Credit offers: Get the best deals"},"content":{"rendered":"
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<\/span>Get the best credit offer with us now!<\/H2><\/div>\n

[vc_column_text]Have you already had the experience of applying for credit in Switzerland in the past, and are you looking for a suitable, sustainable and secure solution for your future projects, with an attractive credit rate<\/a>? At MultiCredit, we understand that your expectations change over time and that your priorities are clear: transparent service, precise answers and efficient management of your file to obtain the best possible offer for your credit. Test our credit simulator<\/a> now! <\/p>\n

Obtaining credit at an attractive rate<\/strong> depends mainly on your creditworthiness, your financial management and the quality of your file<\/strong>. Here are the key steps to optimizing your application and maximizing your chances of acceptance with the best possible terms<\/strong>. <\/p>\n

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<\/span>Preparing a solid financial file<\/strong><\/span><\/h2>\n

Lending institutions analyze a number of factors to assess your ability to repay. To strengthen your credibility : <\/p>\n

\u2705 A stable job<\/strong>: being in permanent employment or a civil servant is a major asset. For the self-employed, a stable income history over 2 to 3 years<\/strong> is recommended.
\n\u2705 Sufficient income<\/strong>: make sure that your debt ratio remains below 33%<\/strong> of your net income.
\n\u2705 An impeccable banking history<\/strong>: avoid overdrafts and demonstrate sound account management.
\n\u2705 A clean extract from the<\/strong> debt collection register: ask for an extract from the debt collection register to check that there are no outstanding debts. <\/p>\n

\ud83d\udccc Tip:<\/strong> If you have outstanding debts, try to pay them off before applying again.<\/p>\n

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<\/span>Improve your Credit Score<\/strong><\/span><\/h2>\n

Your credit rating<\/strong> (also known as bank scoring<\/strong>) has a strong influence on the rates offered by banks. To improve it : <\/p>\n

\u2714 Pay off your current loans<\/strong> before taking out a new one.
\n\u2714 Avoid multiplying credit applications at the same time<\/strong>: this can signal an urgent need for money and be a red flag for banks.
\n\u2714 Don’t overuse your credit card<\/strong>: a high balance each month can be seen as a sign of over-indebtedness.
\n\u2714 Keep good savings<\/strong>: having savings proves that you know how to manage your finances.<\/p>\n

\ud83d\udccc Tip:<\/strong> Order your ZEK<\/strong> (Zentralstelle f\u00fcr Kreditinformation) credit statement<\/strong> to see your rating before you apply.<\/p>\n

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<\/span>Choosing the Right Amount and Duration<\/strong><\/span><\/h2>\n

\ud83d\udca1 A void asking for too large an amount<\/strong>: the larger the loan, the more reluctant the bank is to grant it.
\n\ud83d\udca1 Opt for a reasonable term<\/strong>: a loan over 48 to 60 months<\/strong> can offer a good compromise between low monthly payments and reduced total cost.<\/p>\n

\ud83d\udccc Tip:<\/strong> Simulate several scenarios before applying to find the option that maximizes your chances of acceptance.<\/p>\n

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<\/span>Supplementary warranties<\/strong><\/span><\/h2>\n

The more you reassure the lender, the lower the rate you’ll get. Here are some effective strategies: <\/p>\n

\ud83d\udd39 A co-borrower<\/strong> (spouse, parent) can reassure the bank and improve your borrowing terms.
\n\ud83d\udd39 A personal deposit<\/strong> (10-20% of the amount borrowed) proves your commitment and reduces the risk for the bank.
\n\ud83d\udd39 Additional income<\/strong> (rent received, investment income) can strengthen your case.<\/p>\n

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<\/span>Justifying the use of credit<\/strong><\/span><\/h2>\n

Banks prefer to finance concrete projects with a positive impact on your financial situation.
\n\u2714 A home loan<\/strong> is better perceived than a consumer credit.
\n\u2714 A credit buyback<\/strong> to optimize your debt is a good justification.
\n\u2714 Financing a vehicle for professional use<\/strong> can be a favorable argument.<\/p>\n

\ud83d\udccc Tip:<\/strong> Avoid specifying a vague destination such as “liquidity needs”, which may worry banks.<\/p>\n

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<\/span>Using a credit broker<\/strong><\/span><\/h2>\n

A specialized broker<\/strong> like MultiCredit, Lend.ch or Cashare<\/strong> can:
\n\ud83d\udd39 Find the best deals by comparing several institutions.
\n\ud83d\udd39 Negotiate a lower rate<\/strong> thanks to their business volume.
\n\ud83d\udd39 Save you from multiple applications and protect your credit rating.<\/p>\n

\ud83d\udccc Tip:<\/strong> A broker only charges fees if credit is granted.<\/p>\n

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<\/span>Check Documents to be supplied<\/strong><\/span><\/h2>\n

A complete, well-prepared<\/strong> application speeds up processing and increases your chances of acceptance.
\n\ud83d\udccc Documents generally required :<\/strong><\/p>\n