{"id":8247,"date":"2015-02-26T12:19:56","date_gmt":"2015-02-26T12:19:56","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/pourquoi-parle-t-on-de-credit-bancaire-en-suisse\/"},"modified":"2020-04-03T12:18:14","modified_gmt":"2020-04-03T12:18:14","slug":"pourquoi-parle-t-on-de-credit-bancaire-en-suisse","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/pourquoi-parle-t-on-de-credit-bancaire-en-suisse\/","title":{"rendered":"Bank credit in Switzerland: what does it mean?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Why_choosing_a_bank_credit\"><\/span>Why choosing a bank credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The term credit refers to a loan and the &#8220;bank credit&#8221; one refers logically to a loan taken from a bank. In the end, there is no real difference between a credit and a bank credit. Let&#8217;s discover why:<\/p>\n<ul>\n<li>The credit sector is very strict in Switzerland and only authorized banks can offer loans.<\/li>\n<li>Credit agencies, independent brokers and other organisations offering loans must always work closely with at least one bank and what they offer in the end is <b>also a bank credit<\/b>.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Loan_solutions_without_having_to_deal_with_a_bank\"><\/span>Loan solutions without having to deal with a bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most of the time, a credit that is not processed through a bank will be <b>illegal or a scam in the worst case<\/b>. Even if this is a very regulated sector in Switzerland, there is unfortunately many scam cases still. Therefore we suggest you to be careful, especially if someone offers you a credit from independent to independent or an extremely low interest rate. The only <b>valid exception<\/b> to the bank credit is the <b>leasing solution without a bank<\/b>. Even if this is not a real credit (the car is &#8220;lended&#8221; on a long term duration and does not belong to you), the leasing is a funding solution that is not processed through a bank.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Other_terms\"><\/span>Other terms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Even if each type of loan is in the end a bank credit, you will find various names when it comes to the credit sector, primarly for marketing reasons. The main examples are:<\/p>\n<ul>\n<li><b>Consumer credit<\/b>: in other words, this is a credit that is specifically made to purchase consumer goods.<\/li>\n<li><b>Specific credit<\/b>: is a credit made to purchase a specific good: car,&#8230;<\/li>\n<li><b>SME credit<\/b>: a loan granted to a legal entity, in other words: a company or society.<\/li>\n<li><b>Revolving credit<\/b>: is a type of loan in which the borrower may, at leisure, re-borrow money up to a limit set by the bank. In Switzerland, this type of loan is rather uncommon.<\/li>\n<li><b>Real estate credit<\/b>: is a loan allocated to financing a property.<\/li>\n<li><b>Debt consolidation<\/b>:is a loan to buy back debts from loans or credit cards. All bonds are thus united into one new credit.<\/li>\n<\/ul>\n<p>In the end, even if credit agencies multiply names for marketing reasons, all these loan types are well and truly bank credits.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Get_a_bank_credit_in_Switzerland\"><\/span>Get a bank credit in Switzerland<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The best way to avoid scam situations and to benefit from an advantageous offer, is to consult a credit expert. Our partner Creditloan (<a href=\"http:\/\/www.creditloan.ch\/bank-credit\" target=\"_blank\" rel=\"noopener\">www.creditloan.ch<\/a>) will be more thank happy to get you a free analyse of your situation in order to offer you a tailored financial solution. Do not hesitate to contact them for a free and non binding offer!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personal credit, bank credit, specific credit, consumer credit&#8230;what does it all exactly mean? If you have never requested a credit in Swizerland or if you wish to know more about it, here are some explanations to help you go through all the terms.<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"tags":[278,259],"class_list":["post-8247","post","type-post","status-publish","format-standard","hentry","category-credit-en","tag-bancaire-en","tag-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8247","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=8247"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8247\/revisions"}],"predecessor-version":[{"id":8519,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8247\/revisions\/8519"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}