{"id":29303,"date":"2025-08-06T08:16:35","date_gmt":"2025-08-06T08:16:35","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29303"},"modified":"2025-08-07T09:16:49","modified_gmt":"2025-08-07T09:16:49","slug":"what-income-is-taken-into-account-for-my-loan","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/what-income-is-taken-into-account-for-my-loan\/","title":{"rendered":"What income is taken into account for my loan?"},"content":{"rendered":"\n<p>At <strong>MultiCredit<\/strong>, your financial capacity is determined on the basis of regular, verifiable income. The more stable and well-documented your earnings, the greater the amount you can potentially borrow.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Income_considered_for_your_loan_salary_bonuses_incentives_secondary_earnings_rental_income%E2%80%A6_how_it_works_at_MultiCredit\"><\/span>Income considered for your loan: salary, bonuses, incentives, secondary earnings, rental income\u2026 how it works at MultiCredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Which_income_counts_in_your_file\"><\/span>1) Which income counts in your file?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Category<\/th><th>Treatment<\/th><th>Required documents<\/th><\/tr><\/thead><tbody><tr><td><strong>Main salary<\/strong><\/td><td>Net amount (after social deductions \/ withholding tax, where applicable)<\/td><td>Last 3 payslips, annual salary certificate, employment contract (workload, probation period)<\/td><\/tr><tr><td><strong>Bonuses &amp; gratuities<\/strong> (e.g. annual bonus, 13th-month salary)<\/td><td>&#8211; 100 % if contractual\/guaranteed- Averaged over the last 12\u201324 months if variable (\u2248 50\u201370 % depending on recurrence)<\/td><td>Payslip showing the bonus, salary certificate, HR confirmation<\/td><\/tr><tr><td><strong>Secondary income<\/strong> (declared side activity, regular allowances, pensions)<\/td><td>Taken into account if stable and declared (social security \/ tax)<\/td><td>Secondary payslips, social-security statements, official attestations<\/td><\/tr><tr><td><strong>Rental income<\/strong><\/td><td>Net rent received (after expenses \/ co-ownership fees \/ insurance); any vacancy averaged out<\/td><td>Signed leases, bank statements showing rent inflow, tax return<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Verification_straightforward_proofs_zero_hassle\"><\/span>2) Verification: straightforward proofs, zero hassle<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>We verify income through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payslips &amp; salary certificate<\/li>\n\n\n\n<li>Employment contract \/ amendments (workload, permanent\/fixed-term)<\/li>\n\n\n\n<li>Recent bank statements (salary \/ rent inflows)<\/li>\n\n\n\n<li>HR attestations (guaranteed bonus)<\/li>\n\n\n\n<li>Lease agreements, social-security extracts \/ tax attestations for secondary income<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Borrowing_capacity_what_we_base_it_on\"><\/span>3) Borrowing capacity: what we base it on<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>We calculate your budget margin using:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Regular net income (after smoothing variable elements)<\/li>\n\n\n\n<li>Recurring expenses: rent, health insurance, alimony, existing loans\/leases, withholding tax, etc.<\/li>\n\n\n\n<li><strong>Living-cost allowance<\/strong> (subsistence minimum \/ basic budget) adjusted to your family situation<\/li>\n<\/ol>\n\n\n\n<p><strong>Rule of thumb:<\/strong> the higher the share of recurring income (salaries + guaranteed bonuses + stable rent), the higher the possible loan amount\u2014at equal term.<\/p>\n\n\n\n<p><em>Illustrative, non-binding examples<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Single with <strong>CHF 3,000 net<\/strong>: you can submit a credit request (subject to expenses and personal situation).<\/li>\n\n\n\n<li>Salary <strong>CHF 8,000 \/ 12,000 net<\/strong> or annual income <strong>CHF 200,000<\/strong>: borrowing capacity assessed case by case based on your expenses (rent, other loans, car lease, etc.) and the truly recurring share of your bonus.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 Tell us about your annual salary, bonuses, secondary and rental income: we\u2019ll give you a personalised estimate in minutes.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Employment_status_all_welcome\"><\/span>4) Employment status: all welcome<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Profile<\/th><th>What we consider<\/th><\/tr><\/thead><tbody><tr><td><strong>Civil servants \/ quasi-public staff<\/strong><\/td><td>High stability (permanent contract, salary scale, 13th salary)<\/td><\/tr><tr><td><strong>Executives &amp; managers<\/strong><\/td><td>Salaries + management income (bonuses, recurring dividends) averaged<\/td><\/tr><tr><td><strong>Employees &amp; workers<\/strong><\/td><td>Monthly wages, team\/shift bonuses if recurring<\/td><\/tr><tr><td><strong>Self-employed \/ business owners<\/strong> (where applicable)<\/td><td>Extended analysis (balance sheets, tax assessments)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Early_repayment_your_right\"><\/span>5) Early repayment: your right<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Received a bonus and wish to repay your personal loan early? You can. With early repayment you pay only the interest accrued up to the repayment date; unused time is subject to a fair reduction in interest (minor administrative fees may apply per contract). Tell us and we\u2019ll provide a clear, transparent calculation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_And_the_Consumer_Credit_Act\"><\/span>6) And the Consumer Credit Act?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In Switzerland, the granting of consumer credit is governed by the <strong>Federal Consumer Credit Act (CCA)<\/strong>. In practice:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>we must ensure the loan is affordable without over-indebtedness,<\/li>\n\n\n\n<li>you have the right to repay early,<\/li>\n\n\n\n<li>information provided (APR, total cost, term) must be transparent.<\/li>\n<\/ul>\n\n\n\n<p>(This box is informative; exact conditions are in your contract.)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Fast-track_checklist_to_speed_up_approval\"><\/span>7) Fast-track checklist to speed up approval<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 recent payslips + salary certificate<\/li>\n\n\n\n<li>ID card \/ residence permit<\/li>\n\n\n\n<li>Employment contract (or amendment)<\/li>\n\n\n\n<li>Bank statements for the last 2\u20133 months (salary &amp; rent inflows)<\/li>\n\n\n\n<li>For secondary income: social-security \/ tax attestations<\/li>\n\n\n\n<li>For rental income: leases + proof of receipt<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_a_nutshell\"><\/span>In a nutshell<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yes, we count salaries, bonuses, annual bonus, team incentives, secondary income and rental income when they are regular and verifiable.<\/li>\n\n\n\n<li>The more regular income you have, the greater your borrowing capacity.<\/li>\n\n\n\n<li>Single with <strong>CHF 3,000 net<\/strong>? You can apply.<\/li>\n\n\n\n<li>Bonus coming up? You may repay early and save interest on the unused period.<\/li>\n\n\n\n<li><strong>High salary (CHF 8,000 \/ 12,000) or CHF 200,000 per year?<\/strong> We calculate your borrowing capacity tailor-made.<\/li>\n\n\n\n<li>Need a quick opinion? Send us your payslips and salary certificate\u2014you\u2019ll get a personalised simulation within 24 business hours.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>An article by <strong><a href=\"https:\/\/ch.linkedin.com\/in\/m%C3%BCn%C3%BCr-aslan-credit-leasing-factoring\/en\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a><\/strong>, Director of MultiCredit.<\/em><\/p>\n\n\n\n<iframe\n  src=\"https:\/\/maps.google.com\/maps?q=Multicredit&#038;z=15&#038;output=embed\"\n  width=\"600\"\n  height=\"450\"\n  style=\"border:0;\"\n  loading=\"lazy\"\n  allowfullscreen>\n<\/iframe>\n\n","protected":false},"excerpt":{"rendered":"<p>At MultiCredit, your financial capacity is determined on the basis of regular, verifiable income. The more stable and well-documented your earnings, the greater the amount you can potentially borrow. Income considered for your loan: salary, bonuses, incentives, secondary earnings, rental income\u2026 how it works at MultiCredit 1) Which income counts in your file? Category Treatment [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":29144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[307,258],"tags":[],"class_list":["post-29303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-credit","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29303","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\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=29303"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29303\/revisions"}],"predecessor-version":[{"id":29306,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29303\/revisions\/29306"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/29144"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=29303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=29303"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=29303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}