{"id":11004,"date":"2016-03-23T07:53:47","date_gmt":"2016-03-23T07:53:47","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/surendettement-des-consommateurs-suisses\/"},"modified":"2020-04-06T13:16:51","modified_gmt":"2020-04-06T13:16:51","slug":"surendettement-des-consommateurs-suisses","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/surendettement-des-consommateurs-suisses\/","title":{"rendered":"Indebtedness of Swiss consumers"},"content":{"rendered":"<h2>The types of debts<\/h2>\n<p>The debts that affect Swiss consumers are contracted mainly due to <b>credits<\/b>\u00a0:<\/p>\n<ul>\n<li>leasings for vehicles<\/li>\n<li>consumer credit<\/li>\n<li>purchase by instalment<\/li>\n<li>debts to third parties<\/li>\n<\/ul>\n<p>The indebtedness is also generate after <b>default of payments and bank overdrafts<\/b> or<br \/>\nafter the <b>non-payment of credit card balances<\/b>.<\/p>\n<p>The mortgage is not included in the category of debts. It&#8217;s because the payment of the mortgage debt is like the payment of a rent.<\/p>\n<h2>What are the causes of indebtedness in Switzerland?<\/h2>\n<p>The main reason that involves Swiss to contract consumer credit is <b>the leasing to purchase a vehicle<\/b>. This concerns 20\u00a0% of the population.<\/p>\n<p>The <b>tax arrears<\/b> generate indebtedness for Swiss households. This touch 10.3\u00a0% of the population.<\/p>\n<p>4.7\u00a0% of Swiss are living in household with one member subjected of the <b>proceeding<\/b>.<\/p>\n<h2>How to \u00a0to\u00a0fight\u00a0against indebtedness?<\/h2>\n<p>The legislator has established rules for the consumers to protect them against indebtedness. This leagal framework is defined by the <b>federal law on consumer credit (FLCC)<\/b>.<\/p>\n<p>The FLCC has by the way tightened since January 2016. The new framework forbids the advertisting for the purchase of goods considered unsustainable.<\/p>\n<p>The legal framework <b>ensures the reliability of financial institutions who offer credits<\/b>. The consumers are then certain that a credit is granted only when their financial situation allows them to repay them.<\/p>\n<h2>Have a stable financial situation<\/h2>\n<p>Our partner <a href=\"http:\/\/www.multicredit.ch\/en\/debt-consolidation\/\" target=\"new\" rel=\"noopener noreferrer\">Multicredit<\/a> is able to offer you solutions for debt consolidation.<\/p>\n<p>A <b>debt consolidation<\/b> is a solution that allows the decrease of monthly payments. With this option, it&#8217;s possible to better organize the management of its personal finances.<\/p>\n<p style=\"font-size: 0.9em; font-style: italic; text-align: left;\">Source: Swiss Federal Statistical Office, figures for the year 2013.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Approximately 40\u00a0% of Swiss consumers are indebted. What are the causes of indebtedness in Switzerland? And how to way out of debts?<\/p>\n","protected":false},"author":4,"featured_media":10999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[257],"tags":[],"class_list":["post-11004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-repurchase"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/11004","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=11004"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/11004\/revisions"}],"predecessor-version":[{"id":11007,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/11004\/revisions\/11007"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/10999"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=11004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=11004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=11004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}