{"id":30630,"date":"2024-11-18T19:04:06","date_gmt":"2024-11-18T19:04:06","guid":{"rendered":"https:\/\/multicredit.ch\/credit\/offre-credit\/frais-dossier\/"},"modified":"2026-03-10T15:59:57","modified_gmt":"2026-03-10T15:59:57","slug":"frais-dossier","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/frais-dossier\/","title":{"rendered":"Application fees"},"content":{"rendered":"<section class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929679182{padding-bottom: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"No_application_fees_to_apply_for_credit_with_Multicredit\"><\/span>No application fees to apply for credit with Multicredit<\/H2><\/div>\n<p>[vc_column_text]Application fees are an important aspect to consider when applying for a loan, whether for a home loan, a consumer credit or any other type of financing. These fees correspond to the administrative costs incurred by the financial institution in processing the borrower&#8217;s loan application.[\/vc_column_text][vc_column_text el_class=&#8221;pb-2 maxwidth&#8221;]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_application_fees\"><\/span>What are the application fees?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Application fees cover all the steps involved in setting up a loan. These include <\/p>\n<ul>\n<li><strong>File analysis<\/strong>: The bank or lending institution must check the completeness and validity of the documents submitted, such as proof of income, bank statements and any other documents required to assess the borrower&#8217;s solvency.<\/li>\n<li><strong>Solvency assessment<\/strong>: An in-depth study is carried out to ensure that the borrower is in a position to repay the loan. This assessment takes into account various criteria, such as the borrower&#8217;s level of indebtedness, stability of employment and financial history. <\/li>\n<li><strong>Preparing and issuing the loan offer<\/strong>: Once creditworthiness has been confirmed, the institution draws up and formalizes the loan offer, a process that requires time and resources.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Our_strengths_in_obtaining_the_best_possible_offers_for_our_customers_throughout_Switzerland_are_as_follows\"><\/span>Our strengths in obtaining the best possible offers for our customers throughout Switzerland are as follows<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck&#8221; css=&#8221;.vc_custom_1586930817763{padding-top: 24px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Receive a preliminary decision in just 5 minutes, during the first telephone contact<\/li>\n<li>Free processing of your request and non-binding offer<\/li>\n<li>Guaranteed confidentiality (we are bound by banking secrecy)<\/li>\n<li>Flexible repayment over 12 to 84 months<\/li>\n<li>Adjusted monthly payments and lower interest<\/li>\n<li>Flexible, adaptable terms (duration, rate, amount)<\/li>\n<li>Pay off your loan early at any time<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; data_aos_delay=&#8221;250&#8243; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>For Swiss nationals and C permit holders, tax deductions possible for interest on debt<\/li>\n<li>Easier and faster than mortgages and leasing<\/li>\n<li>Taking care of all your administrative formalities<\/li>\n<li>Simple, quick and discreet procedures<\/li>\n<li>Your file put together by a specialist<\/li>\n<li>Personalized advice at home or at our office<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929684389{padding-top: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;][vc_column_text el_class=&#8221;pt-2&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong>For private individuals living in Switzerland, Swiss nationals or <a href=\"https:\/\/www.sem.admin.ch\/sem\/fr\/home\/themen\/aufenthalt\/eu_efta.html\" target=\"_blank\" rel=\"noopener\">holders of a B, C permit or legitimation card (D, E, G and H)<\/a>, increasing your liquidity is possible, and so is saving money. Benefit from an individualized study of your project, and a tailor-made loan offer very quickly. <\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Invoicing_of_processing_fees\"><\/span>Invoicing of processing fees<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Application fees can be billed in different ways:<\/p>\n<ul>\n<li><strong>Up-front payment<\/strong>: Some lenders require the application fee to be paid when the loan offer is signed.<\/li>\n<li><strong>Inclusion in the amount borrowed<\/strong>: Others include these charges in the total amount of the loan, meaning that the borrower repays them on the same basis as the principal and interest.<\/li>\n<li><strong>Free of charge in certain cases<\/strong>: Certain types of loan, such as subsidized loans like the Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), may not involve any application fees.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Negotiation_and_waiver_of_handling_fees\"><\/span>Negotiation and waiver of handling fees<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Application fees are not always fixed and can often be negotiated, especially if the borrower has a good profile (stable income, low level of debt, etc.). Banks and credit institutions may be open to adjustments depending on their commercial policy or the long-term relationship with the customer. In some cases, it may even be possible to obtain a total exemption from application fees.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Impact_on_Total_Cost_of_Credit\"><\/span>Impact on Total Cost of Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It&#8217;s important to note that administrative charges contribute to the calculation of the Annual Percentage Rate (APR), which represents the total cost of credit. The APR includes not only the nominal interest rate, but also all ancillary costs, such as administration fees and other charges. So a low APR, even with relatively high handling charges, can be more advantageous than an attractive nominal rate with hidden ancillary costs.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Advice_for_Borrowers\"><\/span>Advice for Borrowers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Compare offers<\/strong>: To get the best deal, it&#8217;s a good idea to compare offers from several financial institutions. Each bank has its own fee structure and policies. <\/li>\n<li><strong>Use a broker<\/strong>: Using a broker can make it easier to negotiate fees, as these professionals have partnerships with several banks and can obtain preferential terms for their customers.<\/li>\n<li><strong>Ask for a waiver<\/strong>: Depending on your profile and the bank&#8217;s policy, it is often possible to negotiate a reduction or even the elimination of application fees.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; el_class=&#8221;lightgrey-bck bigpadding flex-eq-height diagonal-top-bck one-fifth-link-bloc&#8221;][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;0&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-hab.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Housing credit<\/h4>\n<p>Finance home improvements<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-habitation\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;50&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-auto.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Car credit<\/h4>\n<p>Buy your vehicle on credit<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-auto\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;100&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-form.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Training credit<\/h4>\n<p>Finance your studies<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/financement-d-etudes-et-de-formations\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;150&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-med.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Medical credit<\/h4>\n<p>Finance your surgery and medical care<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/pret-medical\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;200&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-all.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Miscellaneous credits<\/h4>\n<p>For all other projects<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credits-divers\/\" title=\"Home loan\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck regularpadding steps&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2><span class=\"ez-toc-section\" id=\"Your_credit_in_4_steps\"><\/span>Your credit in 4 steps<\/H2><\/p>\n<h4>Quick and easy<\/h4>\n<\/div>\n<p>[vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;25&#8243; label_value=&#8221;1&#8243; color=&#8221;custom&#8221; title=&#8221;Request&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You fill in the credit application form according to your needs.<\/p>\n<h5 style=\"text-align: center;\">2 min<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie label_value=&#8221;2&#8243; color=&#8221;custom&#8221; title=&#8221;Proposal&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">&#8220;We analyze your request and offer a solution tailored to your profile.&#8221;<\/p>\n<h5 style=\"text-align: center;\">12 hours<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;75&#8243; label_value=&#8221;3&#8243; color=&#8221;custom&#8221; title=&#8221;Signature&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Once the contract has been drawn up, all you have to do is sign it and send it to us.<\/p>\n<h5 style=\"text-align: center;\">This step depends on your responsiveness.<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;100&#8243; label_value=&#8221;4&#8243; color=&#8221;custom&#8221; title=&#8221;Transfer&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The amount is transferred to your account.<\/p>\n<h5 style=\"text-align: center;\">14 days (legal deadline)<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;lightgrey-bck bigpadding checklist&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-left title-dark\" clearfix\"><H3><span class=\"ez-toc-section\" id=\"Let_us_find_you_the_best_possible_credit_offer\"><\/span>Let us find you the best possible credit offer<\/H3><\/p>\n<h4>We are always looking for the best possible offer for our customers throughout Switzerland.<\/h4>\n<\/div>\n<p>[vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]Credit application fees are an unavoidable element of any credit <a href=\"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/\">offer<\/a> in Switzerland. Although they can represent a significant expense, it is possible to reduce them, or even eliminate them, by following a strategic approach and studying the different offers on the market. At Multicr\u00e9dit, we help our customers to understand these costs and explore all possible options to minimize their total cost of credit, in order to make borrowing as advantageous as possible.[\/vc_column_text][vc_btn title=&#8221;Discover&#8221; link=&#8221;url:https%3A%2F%2Fwww.multicredit.ch%2Ffr%2Fa-propos%2F|title:About%20us|&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul>\n<li><strong>Security and confidentiality<\/strong><\/li>\n<li><strong>Proximity and responsibility<\/strong><\/li>\n<li><strong>Guaranteed pick-up in less than 24 hours<\/strong><\/li>\n<li><strong>Lower rates than the competition<\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bring your project to life, simply.<\/p>\n","protected":false},"author":25,"featured_media":11771,"parent":30579,"menu_order":-9,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"class_list":["post-30630","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30630","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=30630"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30630\/revisions"}],"predecessor-version":[{"id":30632,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30630\/revisions\/30632"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11771"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=30630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}