{"id":8780,"date":"2018-12-14T08:02:42","date_gmt":"2018-12-14T08:02:42","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/demande-de-naturalisation-quel-interet-pour-les-emprunteurs\/"},"modified":"2021-03-10T09:32:10","modified_gmt":"2021-03-10T09:32:10","slug":"naturalization-request-what-interest-is-there-when-you-get-a-loan","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/naturalization-request-what-interest-is-there-when-you-get-a-loan\/","title":{"rendered":"Naturalization request: what interest is there when you get a loan?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"How_does_a_naturalization_work\"><\/span>How does a naturalization work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This procedure consists in obtaining the Swiss citizenship. There are two types of naturalization depending on the situation:<\/p>\n<ul>\n<li>Regular naturalization: this is the regular procedure to obtain the Swiss citizenship<\/li>\n<li>Facilitated naturalization: it is a simplified procedure which concerns the spouse or children of a person who is already Swiss. It also concerns the third generation of foreigners.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Procedure\"><\/span>Procedure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Requesting a naturalization involves many steps that you can see on the following website <a href=\"https:\/\/www.ch.ch\/en\/naturalisation-switzerland\/\" target=\"new\" rel=\"noopener noreferrer\">Ch.ch<\/a>. The procedure and its cost depend on the canton you reside in, the commune you are part of and your situation (you can get a regular or a facilitated naturalization).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Naturalization_request_and_credit\"><\/span>Naturalization request and credit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In terms of credit, a naturalization can have many advantages. You have to take in consideration that banks calculate a score for their clients in credit request situation. This score reflects a client\u2019s personal and financial situation and is also influenced by his citizenship and work permit.<\/p>\n<p>To set an example, a person with a C permit or a Swiss with the same budget will not have the same score. A naturalization request and the obtainment of the Swiss passport are two important aspects to get a credit. A Swiss citizen benefits of a much higher score than a foreigner.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Swiss_citizenship_and_credit\"><\/span>Swiss citizenship and credit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Even though the score depends on a client\u2019s budget, having the Swiss citizenship can make the difference in getting an approval or a refusal. Citizens can benefit of:<\/p>\n<ul>\n<li>Having better chances of getting their credit request approved<\/li>\n<li>Having better terms offered (like lower rates)<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"An_example\"><\/span>An example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The interest rate that a client is given can make a huge difference in their monthly costs, specially when the payments last over years. For example a private loan of 50,000 CHF over 60 months:<\/p>\n<ul>\n<li>It entails a total interest of 8,967 CHF with a 6,9% rate<\/li>\n<li>It entails a total interest of 7,645 CHF with a 5,9% rate<\/li>\n<\/ul>\n<p>A 1% less can make you save up to 1,200 CHF!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Appeal_to_a_specialist\"><\/span>Appeal to a specialist<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Did you recently make a naturalization request and got the Swiss citizenship? Do you wish to profit from your new advantages as a Swiss? Why not entrust your dossier to <a href=\"https:\/\/www.multicredit.ch\/en\/\" target=\"new\" rel=\"noopener noreferrer\">a financing specialist in Swiss loans like MultiCredit S\u00e0rl<\/a>. Have a free offer with no obligations. Having a specialist\u2019s help can make the procedure easier and can make you have the best terms. Whether you are a Swiss or a foreigner, MultiCredit can make you benefit from the counseling and confidentiality of our experts. Furthermore, profit from flexible solutions and the best rates!<\/p>\n<p>This article was written by the Multicredit team <a href=\"https:\/\/www.multicredit.ch\/en\" target=\"new\" rel=\"noopener noreferrer\"> www.multicredit.ch<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you possess a C permit? Are you considering to ask for the Swiss citizenship? What are the conditions and consequences in terms of a private credit procedure? Our explanation and advice.<\/p>\n","protected":false},"author":4,"featured_media":8774,"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":[],"class_list":["post-8780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8780","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=8780"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8780\/revisions"}],"predecessor-version":[{"id":14962,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8780\/revisions\/14962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/8774"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}