{"id":9262,"date":"2013-10-11T09:12:39","date_gmt":"2013-10-11T09:12:39","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/credit-prive-beneficier-du-meilleur-taux\/"},"modified":"2020-04-03T15:07:19","modified_gmt":"2020-04-03T15:07:19","slug":"credit-prive-beneficier-du-meilleur-taux","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/credit-prive-beneficier-du-meilleur-taux\/","title":{"rendered":"Cash credit: benefit from the best rate!"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"For_whom\"><\/span>For whom?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En Switzerland, the conditions to get a cash credit are quite strict and dictated directly by the federal law. Basically, in order to benefit from a cash credit, you must <b>at least<\/b>:<\/p>\n<ul>\n<li>Work in Switzerland since at least 3 months<\/li>\n<li>Own a Swiss ID card or a Swiss working permit<\/li>\n<li>Earn at least 2,900 Chf<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_get_an_offer\"><\/span>How to get an offer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Basically, if you are looking for a cash credit, whatever your project is, you have two possibilities: asking directly to a bank, or ask a loan broker. If applying to a bank is a more direct solution, is is, actually, not the best one. Actually, using a broker for your cash credit will allow you:<\/p>\n<ul>\n<li>To benefit from a professional advice<\/li>\n<li>To simplify the procedures and administrative taks (the broker will take those one in charge)<\/li>\n<li>To benefit, generally (and that&#8217;s why it is important to find the good partner), from a <b>lower interest rate<\/b><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_can_you_expect\"><\/span>What can you expect?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is important to understand that, in Switzerland, loans don&#8217;t always work like in other countries. Here are the main specificity you should expect when applying to a cash credit:<\/p>\n<ul>\n<li><b>Interest rate<\/b>: this one depends on your situation and is fix. Generally from 8.9% to 13.9%.<\/li>\n<li><b>Loan conditions<\/b>: the amount and duration is up to you: from 2,000 to 80,000 (sometimes 250,000) Chf, and from 12 to 72 months. It is not possible to take a loan for a longer duration.<\/li>\n<li><b>Legal delay<\/b>: one your cash credit contract signed, there is a 7 days legal delay. That mean you cant receive your money before this delay runs out.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ask_online\"><\/span>Ask online<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Also, if interested by a cash credit, you should know that is is possible to apply online and receive a <b>free non-binding quote<\/b>. Check our <a href=\"http:\/\/www.creditloan.ch\/online-credit\" target=\"_blank\" rel=\"noopener\">partner&#8217;s page<\/a> to learn more.<!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the solutions to get a cash credit in Switzerland? How to benefit from the lower interest rate? Our article offers you some explanations and solutions in order to avoid mistakes when requesting your cash credit.<\/p>\n","protected":false},"author":4,"featured_media":28927,"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-9262","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\/9262","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=9262"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/9262\/revisions"}],"predecessor-version":[{"id":9265,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/9262\/revisions\/9265"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/28927"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=9262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=9262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=9262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}