{"id":10865,"date":"2017-01-04T08:03:52","date_gmt":"2017-01-04T08:03:52","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/la-zek-les-dernieres-statistiques\/"},"modified":"2021-04-16T06:51:11","modified_gmt":"2021-04-16T06:51:11","slug":"zek-last-statistics-2015","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/zek-last-statistics-2015\/","title":{"rendered":"ZEK: last statistics for 2015"},"content":{"rendered":"

<\/span>The ZEK<\/span><\/h2>\n

This association records every year in its database every statistic linked to personal loans. Thus, every request made with a bank or credit agency is recorded in the ZEK’s database<\/b>. This association records “bad history” as well. When someone asks for a loan towards a bank, this last one will check the ZEK for any bad credit history.<\/p>\n

<\/span>The 2015 numbers<\/span><\/h2>\n

In 2015, outstanding loans to private people lightly decreased to 7.171 billion Chf for a total of 387,000 active contracts. This represents an average of more than 18’000 Chf by contract<\/b> to reimburse! Of this amount, the vast majority (> 90%) is made up of personal loans. The 10% remaining are made up of fixed loans, instalment payments and current account credit facility. In 2014, outstanding loans represented a total of 7.276 billions Chf.<\/p>\n

Interestingly enough, nearly one of three loan request<\/b> was refused in 2015 (30.9% exactly). This number was 35.8% in 2014.<\/p>\n\n\n\n\n\n\n\n
Type of loan<\/td>\nNew contracts<\/td>\nTotal number<\/td>\nTotal outstanding amount<\/td>\n<\/tr>\n
Personal loan<\/td>\n117’115<\/td>\n333’911<\/td>\n6’437’853<\/td>\n<\/tr>\n
Instalment payments<\/td>\n12’432<\/td>\n33’394<\/td>\n315’212<\/td>\n<\/tr>\n
Fixed credit<\/td>\n6<\/td>\n147<\/td>\n1’922<\/td>\n<\/tr>\n
Current account credit facility<\/td>\n8’329<\/td>\n19’981<\/td>\n416’974<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/span>The 2016 numbers<\/span><\/h2>\n

If 2016 numbers are not available yet, it will be interesting to see how the new law of mid-2016 will change things. Indeed from mid-2016, the maximum interest rate for consumer loan decreased from 15% to 10%<\/p>\n","protected":false},"excerpt":{"rendered":"

Each year, the ZEK releases statistics about consumer loan in Switzerland for the previous year. What are the number for 2015, and what are the trends for 2016? Explanation.<\/p>\n","protected":false},"author":4,"featured_media":10850,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258,263],"tags":[311,259,463],"class_list":["post-10865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-en","category-news-en","tag-2015-en","tag-credit-en","tag-zek-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=10865"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10865\/revisions"}],"predecessor-version":[{"id":10875,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10865\/revisions\/10875"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/10850"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=10865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=10865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=10865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}