{"id":21471,"date":"2022-09-15T12:22:31","date_gmt":"2022-09-15T12:22:31","guid":{"rendered":"https:\/\/www.multicredit.ch\/?p=21471"},"modified":"2022-09-15T15:14:25","modified_gmt":"2022-09-15T15:14:25","slug":"how-to-obtain-credit-in-switzerland-when-you-are-an-expatriate","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/how-to-obtain-credit-in-switzerland-when-you-are-an-expatriate\/","title":{"rendered":"How to obtain credit in Switzerland when you are an expatriate, a diplomat, or an international civil servant?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Is_it_possible_to_find_a_loan_when_you_are_an_expatriate\"><\/span>Is it possible to find a loan when you are an expatriate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.eda.admin.ch\/aboutswitzerland\/en\/home.html\" target=\"_blank\" rel=\"noopener\">Switzerland<\/a> is famous for its high standard of living and clean image. The country attracts many expatriates every year, seduced by the interesting tax system and the attractive living environment. You have decided to take action and you are now part of those people who are moving to the Helvetic country.<\/p>\n<p>While your new lifestyle suits you perfectly, you want to invest in a personal project. However, you don&#8217;t know how to obtain a loan, or even what conditions you need to meet. <a href=\"https:\/\/multicredit.ch\/en\/\">MultiCredit<\/a> will explain to you all the steps!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_your_project\"><\/span>What is your project?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you want to finance your <a href=\"https:\/\/multicredit.ch\/en\/credit\/study-and-training-loans\/\">children&#8217;s education<\/a> such as private schools and universities, <a href=\"https:\/\/multicredit.ch\/en\/credit\/personal-loan\/\">buy land<\/a>, a house, a building in your home country, or simply <a href=\"https:\/\/multicredit.ch\/en\/credit\/credit-vehicule\/car-loan\/\">buy a car<\/a>, our team is perfectly able to advise you. <a href=\"https:\/\/multicredit.ch\/en\/multicredit-fribourg-about-us\/\">Our consultants speak English<\/a> and we have handled many projects from expatriates. Therefore, we can treat your requests without any difficulty and you will benefit from the necessary comfort and flexibility.<\/p>\n<p>If you collaborate with us, you will have no administrative complications since we take care of all the steps from the analysis of your file to the connection with our network of partners. Since 1999, we are credit specialists and the satisfaction of our many customers is the result of our qualitative and solution-oriented work.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"We_help_managers_executives_and_directors_of_multinational_companies_located_in_Geneva_Zurich_Zug_and_Basel\"><\/span>We help managers, executives, and directors of multinational companies located in Geneva, Zurich, Zug, and Basel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We target people who hold key positions such as:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.eda.admin.ch\/missions\/mission-onu-geneve\/en\/home\/manual-regime-privileges-and-immunities\/introduction\/manual-insurance\/legislation-civil-servants.html\" target=\"_blank\" rel=\"noopener\">International civil servant<\/a><\/li>\n<li>Diplomatic staff<\/li>\n<li>Employee of an international organization (UN, WHO, WTO, World Trade Organization, Gavi alliance, Global found, and more)<\/li>\n<li>Employee for a mission, a consulate, or an embassy<\/li>\n<li>Heads of mission<\/li>\n<\/ul>\n<p>We understand your profile perfectly. We will be able to treat your request with seriousness and we guarantee you the discretion and confidentiality of your consumer loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"You_have_many_possibilities_as_an_expatriate\"><\/span>You have many possibilities as an expatriate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the advantages of working with us is the ability to pay in advance. Indeed, if you receive a bonus, a reward, or an important allowance, you have the possibility of repaying totally or partially the credit and you will have a decrease in the interests on the period not used. In addition to that, you do not have to pay a penalty.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Take_advantage_of_the_prepayment\"><\/span>Take advantage of the prepayment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Remember that the interest is paid in the first year of the contract for credit with a constant annuity. Therefore, it is very advantageous to pay in advance.<\/p>\n<p>Let&#8217;s take the case where you have obtained financing for a monthly payment of CHF 1&#8217;000:<\/p>\n<ul>\n<li>It is possible to pay CHF 1&#8217;500 or 2&#8217;000.<\/li>\n<li>You can pay CHF 5&#8217;000 to 10&#8217;000.<\/li>\n<li>You have the choice to pay the total amount.<\/li>\n<\/ul>\n<p>Don&#8217;t forget that the interest and the debt are tax deductible.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Make_your_choice_among_our_solutions\"><\/span>Make your choice among our solutions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>MultiCredit offers you a wide range of financing options:<\/p>\n<ul>\n<li><a href=\"https:\/\/multicredit.ch\/en\/credit\/personal-loan\/\">Personal loan<\/a><\/li>\n<li><a href=\"https:\/\/multicredit.ch\/en\/credit\/loan-buyout\/\">Current loan refinancing<\/a><\/li>\n<li><a href=\"https:\/\/multicredit.ch\/en\/credit\/loan-buyout\/lease-refinancing\/\">Current leasing repurchasing<\/a><\/li>\n<li><a href=\"https:\/\/multicredit.ch\/en\/credit\/loan-buyout\/debt-consolidation-loan\/\">Debt consolidation<\/a><\/li>\n<li><a href=\"https:\/\/multicredit.ch\/en\/credit\/loan-buyout\/credit-card-balance-buyout\/\">Credit card balance repurchasing<\/a><\/li>\n<\/ul>\n<p>Our loans for expatriates are perfectly adapted to your situation and you can receive an amount between CHF 3&#8217;000 and 400&#8217;000 over 12 to 84 months. <a href=\"https:\/\/g.page\/Multicredit?share\">MultiCredit<\/a> is your ideal partner to accompany you on the Swiss territory.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_benefits_of_working_with_us\"><\/span>What are the benefits of working with us?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>MultiCredit has been built for many years thanks to quality work and a network of partners allowing the company to propose adapted solutions to the customers.<\/p>\n<p>Our advantages allow us to stand out from the competition:<\/p>\n<ul>\n<li>Your application is treated free of charge<\/li>\n<li>We are flexible<\/li>\n<li>We offer you total transparency for your file<\/li>\n<li>You get low rates<\/li>\n<\/ul>\n<p>Our\u00a0<a href=\"https:\/\/multicredit.ch\/en\/credit-application\/\">loan calculator<\/a> is simple to use and you can easily determine which loan amount you want to request.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_requirements_for_your_application\"><\/span>What are the requirements for your application?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You have to meet these 4 conditions:<\/p>\n<ul>\n<li>Possess a <a href=\"https:\/\/www.sem.admin.ch\/sem\/en\/home\/themen\/aufenthalt\/eu_efta\/ausweis_b_eu_efta.html\" target=\"_blank\" rel=\"noopener\">B permit<\/a> for 6 months.<\/li>\n<li>Possess a <a href=\"https:\/\/www.eda.admin.ch\/missions\/mission-onu-geneve\/en\/home\/manual-regime-privileges-and-immunities\/introduction\/legitimation-card.html\" target=\"_blank\" rel=\"noopener\">legitimation card<\/a> for at least 6 months. You can have a B, C, D, E, S, R, and H card.<\/li>\n<li>Work in Switzerland and have a permanent or long-term contract.<\/li>\n<li>Do not have any pending lawsuits.<\/li>\n<\/ul>\n<p>These are the only conditions that must be respected to get the amount you want.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_should_you_work_with_our_team\"><\/span>Why should you work with our team?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Our company will charge you no fees. Unlike other lenders that could charge origination fees and late fees, when you obtain a loan from us, the only thing you pay is your principal amount and interest.<\/p>\n<ul>\n<li>We charge no application files fees<\/li>\n<li>You will not have extra payment fees<\/li>\n<li>Finally, you have no annual fees<\/li>\n<\/ul>\n<p>You can <a href=\"https:\/\/multicredit.ch\/en\/credit-application\/\">apply online<\/a> and find your <a href=\"https:\/\/multicredit.ch\/en\/credit\/\">loan possibilities<\/a> in as little as 5 minutes and you could be approved between 24 and 48 hours only.<\/p>\n<p>Make your projects a reality with <a href=\"https:\/\/g.page\/Multicredit?share\">MultiCredit.<\/a><\/p>\n<p>The article was written by <a href=\"https:\/\/www.linkedin.com\/in\/ivan-popovic-marketing\/\" target=\"_blank\" rel=\"noopener\">Ivan Popovic.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is it possible to find a loan when you are an expatriate? Yes, it is. If you want to finance your children&#8217;s education such as private schools and universities, buy land, a house, a building in your home country, or simply buy a car, our team is perfectly able to advise you. Our consultants speak English and we have handled many projects from expatriates.<\/p>\n","protected":false},"author":4,"featured_media":21474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258,307,257,692],"tags":[],"class_list":["post-21471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-en","category-car-credit","category-credit-repurchase","category-training-credits"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/21471","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=21471"}],"version-history":[{"count":47,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/21471\/revisions"}],"predecessor-version":[{"id":22093,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/21471\/revisions\/22093"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/21474"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=21471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=21471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=21471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}